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

I was in dire need of money to pay for rent, so on XX/XX/XXXX I went to TitleMax in Wisconsin where they gave me a loan for {$2500.00} against my XXXX XXXX XXXX XXXX. In XXXXXXXX XXXX  XXXX I called XXXX to find out how much my the pay-off amount would be for my XXXX XXXX XXXX and to my surprise it was more than what I had actually borrowed even after making 6 months worth of payments to them. I didn't understand why it was so much since I was paying them {$310.00} a month, but obviously the monthly payments I was paying for went to the excessive interest TitleMax was charging me and nothing was going towards the principal amount of the money I had borrowed against my vehicle. In XX/XX/XXXX I had XXXX XXXX and was off for XXXX weeks and my financial situation took a turn for the worst. Anyway, I wasn't getting a paycheck and things got behind to were I wasn't able to make my payments to TitleMax. Now, my children and I have been displaced and I am three months behind in paying for my vehicle and fear that they will repossess my car making it difficult for me to find a way to support my children and I. I have called the Illinois Attorney General office for help but they stated that TitleMax is no longer located in the state of Illinois and because of that reason they couldn't assist me, since they didn't have jurisdiction over them in Wisconsin. I also have another vehicle in for rent on XX/XX/XXXX from the same TitleMax in Wisconsin that was used as collateral. It's a XXXX XXXX XXXX that is jointly owned by my boyfriend who not only has major XXXX XXXX, but was on workmans comp from XX/XX/XXXX until XXXX which is behind and in danger of repossession as well, which he uses to get back and forth to work. The loan situation is the same excessive interest rate with the monthly payments not going towards the principal amount owed. Both vehicles are in my name with TitleMax, with my boyfriend signing a release form for the title of the XXXX XXXX, since it's jointly owned.
Product: Debt collection

I reached out to Sequium to get some information in regards to a {$3600.00} collection randomly appearing on my credit report. I have yet to receive verification of the debt nor was I ever notified of any outstanding bills that would warrant Sequium collecting the reported debt. As far as Im concerned, such debt does not exist because there is no correspondence from Sequium letting me know about ANY debts. If such debt exists, why wasnt I made aware from the original person owed? And also, why didnt I receive anything from Sequium as well?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not really putting this in for a dispute, I am fine with the disputes I put in, but on my report I saw something I wanted clearified and called the toll free number only to find that it goes to a call center in XXXX. This is appalling. We are always fighting to keep our credit safe but trans union has their call center in a country that is known for people hacking and stealing identities. This needs to be addressed. I am very angry about this.
Product: Checking or savings account

they let me overdraft up to {$500.00} then closed my account and charged me over draft fees and sent it to the collections closed my account
Product: Debt collection

I sent a 609 letter to XXXX on XX/XX/XXXX which was 30 days ago.Still no response.I also sent a letter to IC systems stating this account was paid which was closed XX/XX/XXXX and didnt know why this debt of {$360.00} was put on my credit history XX/XX/XXXX.They put this on my Credit Report without any warning or action to respond.I will like this negative item off my account which is the only negative item on my account and I been having a great pay history for that last 3years without any negative items.
Product: Credit reporting or other personal consumer reports

As stated in Section 602 ( a ) of the FCRA, there is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to protect my private information from being shared without my consent.

Under Section 6801 of the FCRA, it is the policy of Congress that financial institutions have an obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information. As a " furnisher of information to credit agencies, '' Discover falls under this definition of a financial institution.

I want to bring to your attention Section 604 ( a ) ( 2 ) of the FCRA, which states that consumer reporting agencies may only furnish consumer reports with the written consent of the consumer to whom the report relates. I have not provided my written consent for Discover to furnish my information to consumer reporting agencies such as XXXX, XXXX  and XXXX. Therefore, all consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

Furthermore, under Section 6802 ( b ) ( c ) of the FCRA, financial institutions are required to inform consumers of their right to exercise a nondisclosure option. I was never informed by Discover of my right to opt out of having my information shared with consumer reporting agencies.

I also want to bring to your attention Section 1681C ( a ) ( 5 ) of the FCRA, which prohibits consumer reporting agencies from reporting " any other adverse item of information '' without the consumer 's permission. By reporting this account without my consent, Discover is in violation of this law.

Moreover, Section 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA prohibits the furnishing of inaccurate information to consumer reporting agencies. If Discover knows or has reasonable cause to believe that the information being reported is inaccurate, it is your responsibility to correct or remove it from my credit report.

Finally, according to 12 CFR 1016.7, I have the right to opt out of your reporting services at any time. I am exercising that right and demanding that Discover cease reporting my information to consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were opened without my knowlege and i want them removed from my credit reports XXXX, XXXX and Equifax. 

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
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries on my credit report. I am a victim of identity theft due to a data breach, and I am seeking the removal of these entries under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  and Equifax refuses to contact XXXX XXXX to obtain a new report which shows they have deleted the bankruptcy from my consumer report. XXXX XXXX even sent a dispute on my behalf which they all refuse to reply to and delete the erroneous information. Documentation has been included.
Product: Mortgage

Loan # XXXXConcerning appeal dated XXXX XXXX, 2015. ( Included ) to Nationstar Customer relation. 
Letter of response attached. They will get back to me no later than XXXX XXXX 2015. 
As of today, I have no response from you. On XXXX XXXX I got a notice of default ( included in this package ) with absolutely no explanation about my loan modification or my appeal. 
I have tried to contact my new point of contact XXXX XXXX, but the phone # given XXXX XXXX tells me call another ph # which takes me to someone abroad. I call this number a few times but I can not understand them because of their strong accent and ask them to transfer me to my point of contact in the XXXX. But they said, they can not do that but I can try calling again and maybe someone in the XXXX will pick up the call. So far I was not able to contact anyone in the XXXX about my loan modification. Except for someone name XXXX in the foreclosure department. She said, my option would be to short sale or deed in lieu and she can help me with that. I asked her to give me the ph # for my point of contact, but when I called the new # XXXX XXXX XXXX, the message says this is no longer a working #. It appears that all communication has been taken away and I have no choice but to sign my property over or allow them to foreclose. Previously, ( I had XXXX other point of contacts since I have started this loan modification with nationstar, and XXXX out of the XXXX, I was able to communicate with them through emails. This process works well until they change to another point of contact and then, no communication until I file a complaint. 
Now they are forcing me to foreclose or sign a deed in lieu. They will not communicate with me and fail to properly address the at hand. PLEASE HELP ME. GUIDE ME TO SOMEONE THAT CAN REALLY HELP IN THIS MATTER. 
Thank you very muchXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Citi bank and requested that my payments should be deferred due to me not getting paid as a result of the coronavirus. 

The representative clearly confirmed that my payments will be deferred for two billing cycles and no late payments will be reported to the credit bureaus ( attached is a phone call recording and letter from Citi confirming the above ). 

When checking my credit report I noticed that Citi is reporting a late payment on my account for the month of XX/XX/2020. This late payment is from after the date I first contacted Citi. And as per the Citi rep, the amount due was to be deferred as well. And the XXXX payment was not required
Product: Credit reporting or other personal consumer reports

This need 's to removed from transunion and XXXX. Or send me the letter of approval under federal law
Product: Vehicle loan or lease

I purchased a vehicle during the pandemic. I did get behind on my payments and when I reached out to pay the balance or make a payment they refused to accept the payment as I still had the vehicle in my possession. I tried several times to make a transaction before repossession but the dealership wasnt interested in a payment they came two months later removed the vehicle. I reached out again to see if I could get the vehicle back and pay the balance and it was no resolution as the company argued. Unfortunately at that point I had no choice but to disregard any act to redeem the vehicle back in my possession. I notice once looked at my credit it was paid off and charge off at a totally different amount then previously financed initially. I have tried reaching out havent had much success. Hopefully you can help me reslove this matter. Thank you
Product: Mortgage

ATTN : XXXX XXXX XXXX XXXX XXXX and Wells Fargo Home Mortgage , This correspondence serves as a conditional offer relating to the promissory note originally issued in the amount of {$140000.00}. 

You are hereby presented with the following terms : Produce and deliver the original wet-ink signed Promissory Note within fifteen ( 15 ) business days of receipt of this letter ; OR Remit payment in full of the face value of the note ( {$140000.00} ) plus any and all accumulated interest paid by me under the assumption of a valid and binding debt. Payment may be made by check, money order, or direct deposit. 

This conditional offer is extended in good faith and with the expectation of timely and lawful compliance. 

Failure to accept and act upon the above terms within the given timeframe will result in immediate escalation. I will have no choice but to put the appropriate local, state, and federal enforcement agencies on notice, including but not limited to : The Consumer Financial Protection Bureau ( CFPB ) The Office of the Comptroller of the Currency ( OCC ) The State Real Estate Licensing Board The Office of the Attorney General Any other applicable regulatory or legal authority I strongly urge you to consider this notice carefully and respond in a timely manner. This is your opportunity to resolve the matter privately and amicably. A failure to act will be interpreted as a refusal to cooperate and a potential attempt to conceal or deny the existence of the original legal instrument, which may carry legal consequences.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this mat
Product: Checking or savings account

XX/XX/2023 i was notified that my ex husband ( who was never on my account ) was trying to change my email so he could rob me ( again ). I immeditately called Chime and told them what was going on. They assured me everything was gon na be ok. it wasnt 10 mins after when i was notified that my email was indeed changed. I once agin called and they told me that they was handleing it. next thing you know {$5000.00} was taken out of my account by him. I disputed it and the IMMEDIATELY declined it. literally like 4 mins after. and right after that i called and they refused to put my email back to the original. How he verified himself to be is beyond me especially since i have to send it ids, pictures of me holding codes and my information atleast 6 times. I sent in screenshots of him telling me what he was doing to them, i sent in poice reports and everything then the proceeded to close my account and the reason was because i didnt follow direct deposit terms and agreements when in all actuality the only direct deposits that ever came to my account was from the Social Security Administration Office and from the IRS so that doesnt even make any sense. They had to close my account because THEY messed up. XX/XX/2023 they closed my account. I had {$1900.00} in my credit builder, {$100.00} in my checkings and {$1500.00} in my savings along with $ XXXX that was being disputed at the time ( which i was approved for ). They sent me 2 checks that apparently was fake and i was arrested because once again they messed up. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because THEY SENT ME 2 FAKE CHECKS!!!!!! I have called XXXX and emailed XXXX times already they keep saying someone will email me and they put it in the notes that the email on the closed account was fake and to send it to my original email buti havent gotten anything from them at all. they owe over {$10000.00} and its not fair that I am being robbed by both parties and i worked hard for my money. I want my money. But to make it even crazier after i told them they were sending it to the wrong email and that i was a XXXX  XXXX victim on the run they continued to send my conversations to the fake email and one of those emails incuded my address, which he saw and started threatening XXXX XXXX XXXX XXXX XXXX. I cant even find a new place because they have my money!!!
Product: Debt collection

Back in XXXX I was admitted to the XXXX XXXX XXXX XXXX. Due to financial issues, I submitted a withdrawal request to the university before registration, and attended a local community college instead. It is now XXXX, and I have just received phone calls from Conserv XXXX notifying me that I have a balance owed to the school. I withdrew in XXXX, long before class registration, and never attended a single class, and never moved into student housing. I was informed the balance on my student portal would be canceled, and that was the end of it. No attempt had been made to reach out to me. I had to reach out to XXXX, and was told because my financial aid was switched to another school, I had to pay whatever financial aid was withdrawn. I requested a breakdown of the debt and updated my contact info, and was never sent anything. I never received a single service from XXXX, and am confused as to why I owe anything. Why was my financial aid award spent by the university before I registered for classes? I am now dealing with Conserv XXXX and am getting nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent these creditors debt validation letter 30 days ago asking for your company to provide me with proof that I own this debt, and these companies has failed to respond. I then looked at my credit report and noticed that these creditors are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if they failed to validate. Because of their actions, they have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}.
Product: Debt collection

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX fl XXXX XXXX : XX/XX/year> Last XXXX of XXXX XXXX Bureau Name : Experian XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 168 te ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 16811 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-Experian ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Accounts XXXX, Account # : XXXX This account is being reported inaccurately, please remove this from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2017 Balance : {$8100.00}
Product: Debt collection

I was under " improperly served '' by XXXX County Court of NJ Special Civil Part. Under NJ Law Summons : 4:4-3 Personal Service. Notice of summons Doc XXXX. approx. dated XX/XX/XXXX was judgement date, was sent to an old address being XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Never received, was under XXXX related treatments and hardships. I tried several times to work out a plan dating back with creditor, approx. XX/XX/XXXX. Not willing to make out a plan. Creditor had XXXX XXXXXXXX XXXX XXXX as Assignee of Synchrony Bank/Sam '' s Club. Execution Against goods and Chattel, by their assigned attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX.The law firm XXXX went to court had judgement take place, wiping out my checking account with XXXX XXXX XXXX . Approx XX/XX/XXXX {$6500.00} was taken from my XXXX XXXX XXXX  acct. I just recently was able to get most legal documents. Contacted Chief Justice XXXX 's office was advised to file complaint forms XXXX and XXXX. Advising the above parties, the Law firm vacated the Judgement dated XX/XX/XXXX. XXXX and XXXX XXXX  still will not enter into credit bureaus as satisfied, causing me great suffering to move forward in life, struggling in hardships. I am rejected for an apartment, can not move forward. Recently contacted all credit bureaus, still reading on reports by SYNCB? SAMS CLUB DC as written off closed {$6300.00}, past due well over 90 days, which was paid through this above course of action, and the assignees XXXX nor XXXX will address the matter with the credit bureaus. I never had a chance to voice or resolve this debt by the above assignees due to not receiving the Court legal summons. Wrong address.