23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I entered entered into an Installment Loan and Promissory Note ( Promissory Note ) with Speedy Cash, which provided that Defendant would loan {$2900.00} to me at an Annual Percentage Rate ( XXXX ) of 135.67 % ( Subject Loan ) XXXX. 

This was not known by me until months later! Speedy cash knowingly and intentionally issuing loans at interest rates that are unconscionable, and objectively unreasonable, in other words Speedy Cash has routinely engaged in unlawful business practices It was too late when I learned Speedy Cash violate Cal.

Fin. C. 22303, as they violate Cal. Civ. Code 1670.5. See De La Torre v.

Cashcall Inc., No. S241434, 2018 Cal. LEXIS 5749, at *43 ( Aug. 13, 2018 ). 22303 and/or Cal. C. 1670.5, Speedy Cash violated Californias Unfair Competition Law, Bus. & Prof. Code 17200, et seq., which provides a cause of action for an unlawful business act or practice perpetrated on consumers. 

I suffered actual monetary financial injury not just by falling for their crazy loan terms ( they were advertising EVERYWHERE so I thought they were legit. But also after I could no longer pay the crazy amounts and my debt was sold off. 

XXXX XXXX XXXX because new harassers. 

But I received an email offering me a one time ever settlement offer : if I paid {$220.00} it would settle my debt. 

I borrowed money and my sister paid it so I wouldnt be harassed. 

The letters have never stopped! And the negative marks wont be deleted by XXXX, XXXX and XXXX! 

Ive been sending letters since XX/XX/XXXX and I have just been ignored for over 24 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on DATE. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

12. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
13. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
14. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
15. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
16. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
17. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
18. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
19. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
20. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
21. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to the Remove Extended Fraud Alert & the Promotional Opt-out. Transunion also faild to attach my current phone number on my extended fraud alert making it impossible for creditors to contact me. 

This is unacceptable and I want this alert removed immediately. And I want to Opt-in the promotional services
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contact Barclays of Delaware and asked them to please look into why they pulled a hard inquiry on my credit report, and that I did not recognize this. They took my social and date of birth and states that they didnt have any information showing. They told me that I need to call XXXX and request an Acct ID number and call them back. I stated Why would i call you back with an Acct ID if you just ran my social and date of birth and nothing popped up? I ended the conversation and contacted XXXX customer service immediately. He told me that he didnt understand what Barclays meant by an account ID and said he was listing this as fraud. I was asked to complete this report, and once I received a copy, to mail it to XXXX so that it can be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account consisted of 3 Loans as follow : My Primary Federal Student Loan : reporting at XXXX // {$72000.00} 2 PARENT PLUS LOANS : reporting at : {$4700.00} and {$11000.00} In XX/XX/XXXX, I requested to consolidate my 2parent plus loans from XXXX , I received approval to consolidate the loans in XX/XX/XXXX, However, the consolidated payment was higher than my XXXX loan payments, prior to consolidation, I then requested for XXXX  to unconsolidate my loans, and XXXX approved to XXXX so, However ; XXXX started reporting XXXX additional loans to my credit report : XXXX AND the $ {$16000.00} loan amounts, After about XXXX of calls to XXXX and XXXX, the XXXX XXXX XXXX was removed from my credit report, However ; XXXX refuses to remove the XXXX Parent Plus loans or the {$16000.00} loan ( XXXX ). 
I have also complained to XXXX re : the extreme interest that has accrued on my original loan show an amount of {$52000.00} which is not accurate.
Product: Bank account or service

On XXXX XXXX, 2015 I went to the Bank of America located at XXXX XXXX in XXXX Georgia to put some items into my safe deposit box. After the confusion of the procedure for customers to follow to gain access into their safe deposit box ended, I was asked for my box number so they could provide access. Since I could not recall my safe deposit box number they had to look it up in their files. When the representative went to the location of where they keep the files for the safe deposit boxes my file was conspicuously absent. It was later determined that the represent that opened the safe deposit box had it in his possession. Why would a representative have a file in his possession preventing other employees of Bank of America from accessing it out of a legitimate need to do so? My safe deposit box was opened approximately three XXXX 3 XXXX weeks ago so it should have been placed in its central file location so that all representatives of Bank of America employees would have access to it if it were needed. Is there a legitimate reason for the Bank of America to keep my safe deposit box file in his immediately possession? Once they were able to find the location of my safe deposit box, my key did not work. It turns out that my contract says that I have safe deposit box XXXX but I was given a key to safe deposit box XXXX XXXX. When I opened the safe deposit box and placed my initial items in the box, they were placed in safe deposit box XXXX. I do not believe that this could have been done accidentally. All of the representatives that placed my key inside of safe deposit box XXXX told me that it did not go to that box and noted that the key was not going completely inside the safe deposit box. When I placed the key inside the safe deposit box it went in just fine and the safe deposit box XXXX opened. It would seem as if the Bank of America employees that assisted me in gaining access to my safe deposit box were actually attempting to keep me out of it. I have enclosed a copy of my safe deposit contract as well as the sleeve that contained the keys to the safe deposit box I was given that differed from the assigned safe deposit box on the contract. You have CRIMINALS in your midst as this is not the first incident I have had with Bank of America. I can only assume that you are not one of them, so my question becomes what are you going to do about it?
Product: Student loan

I APPLIED for a consolidation with FedLoan Servicing not knowing that I would be automatically enrolled. I found out that my loan had been consolidated from calling XXXX ( my previous loan servicer ) and they told me that FedLoan had bought out my account. I was never asked to confirm via signature whether I was sure I wanted to consolidate and if it was the best option for me. They have raised my interest rate since the consolidation and have sent my account into delinquency on multiple occasions even with me filling out the proper paperwork and providing them documentation for a forbearance. I was unemployed in XXXX and asked for an Economic Hardship forbearance which I was n't granted because I did not write the date on the physical form ( even though I had provided my termination letter from my employment ). They never inform me of the changes they make to my account and this is the second time they have placed a delinquency on my account even with me applying for a forebearance. I would like to get my account transferred back to XXXX and XXXX. I am praying you can help me resolve this and get out of this horrible engagement that I have with FedLoan Servicing.
Product: Student loan

I sent a fax for changes to my account in XXXXXXXX XXXX XXXX. The fax was confirmed received by the company on a call in XXXX. I was told changes would be completed in a few weeks. After 8 months and numerous calls, I have been deceived into thinking it was going to be completed and nothing has changed. This has began affecting my long term financial planning and the company has done nothing other than give me false promises.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I looked at my TransUnion credit report on XX/XX/XXXXand noticed somethings are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 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 ( i ) promptly delete 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.

and according to 15 USC 1681s-2 they are supposed to 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: Debt collection

I have repeatedly requested that AWA Collections provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Debt collection

My sister XXXX XXXX informed me that she received a text message from Resurgent Debt Collector that discussed resolving a debt and gave specific amounts due ( image attached ). I have no idea why the message was sent to her. I am not on her phone contract and have never given her number as my own. This is a violation of the practices forbidden by the FDCPA. My privacy rights have been violated and I want all communications with them to be in writing via mail to me since they can't be trusted with personal information via electronic means. I'm sure if this is happening to me, it's happening to others. I recently paid off some debts through them so they do have my correct and current contact information. There was no need to send a message to my sister who does not share my name ( first or last ). How can they send information via text without confirming who the identity of the person receiving it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Equifax and XXXX on XX/XX/XXXX notifying them about the violation of US law 15 U.S Code 1681b Permissible purposes of consumer reports code which states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX never gave XXXX, or Equifax any written consent to report anything on my consumer report pertaining to a bankruptcy, no consent is identity theft. For their convenience I also attached a copy of the law to the letter. They each then forwarded a letter to me stating that regardless of what the US law says, that the information will remain, further violating the law. Just to clarify things I am not a lawyer, and I am not with a credit repair company, as I am aware that is illegal. I am just a well informed consumer that reads and can comprehend law. I am looking to get this deleted immediately or I will pursue legal action against Equifax and XXXX.
Product: Credit reporting or other personal consumer reports

I paid my Home Equity Line of Credit to XXXX  balance and the credit bureau reported the account as closed hurting my credit score. The account is still open, I uploaded a statement showing the account is still open, just at XXXX balance and they refuse to update the report. 

I've attached a statement showing the account open with XXXX available credit.
Product: Student loan

Between XX/XX/XXXX and XX/XX/XXXX I borrowed {$78000.00} in Private Student Loans from Sally Mae. These loans were assumed by Navient. 
I have, to date, paid back over {$86000.00} - paying more than the original principle. 

I am currently dealing with an identity theft case where someone took out {$48000.00} in student loans in my name in California ( I live and have been living in Tennessee during this time period ). These were XXXX Federal Loans and I am working with police and the government to prove this fraud. It has nothing to do with Navient or private loans. 

But Navient, without my permission, capitalized interest on my loans. 
They now show that I owe them ( the principle amount ) {>= $1,000,000} This has created an undue burden on my ability to pay my bills. And they are now wanting to place me into default. 

Yet they claim that if I wanted to pay these loans off today, my principle is {$140000.00}. 
This is clearly abusive and has created undue financial strain as they have increased interest payments to 17 %, and now require a monthly payment on par with a home mortgage. 

How can I, after having paid them for 14 years, having paid over {$86000.00} to them, owe them TWICE as much as when I began? 

Add that the school was closed and they were sued for misleading students. 
I was told they were accredited and they WERE NOT. I have a degree that has been USELESS in assisting me in finding meaningful, steady employment. That I can not use to continue my education should I seek. And I have ALREADY paid back and then some. 

And Navient is harassing me. I get 6-8 phone calls a day. My co-signer gets 6-8 phone calls a day. And the come from in-state numbers with no identification. 

I want the harassment to stop! I want them to dismiss my loans as I have ALREADY paid them {$7100.00} more than original principle. I want them to remove the negative credit reporting from my credit bureau and my co-signer 's credit bureau. 

I have all of the documentation ( statements, tax documents, etc... ) and am more than happy to share them with any agent ( s ) you assign to investigate my case. I believe this to be a clear case of predatory lending, harassment, and clear misuse of their authority to manage my loans. 

Thank you for any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding account # XXXX, which you claim I owe {$1200.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit card

Someone try to open up a credit card in my name using my personal information such as my social security number and my name on XX/XX/year> they for apply for a credit card through Barclays for XXXX XXXX XXXX XXXX which was a hard inquiry hit on my credit report this was fraudulent I never apply for a credit card through this company someway committed fraud against me without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to access my Credit Reports from Transunion, XXXX and XXXX which have not been allowing me to do that lately keeps saying error and there are a couple of things that were settled however not updated because score is still the same
Product: Vehicle loan or lease

I have a car loan with Wells Fargo Auto Finance. I paid off the principle balance on the loan on XX/XX/2019 at a Wells Fargo banking center. I was advised that I had a remaining balance of {$2700.00} that I needed to pay before Wells Fargo Auto would release the title on the car. It was also explained to me that the vehicle could not be repossessed for late fees only. It was my intention to make monthly payment on the late fees, however, due to a personal matter I was unable to do so. However, I rest assured with the knowledge that the vehicle couldn't be repossessed. 
On Saturday, XX/XX/2019, my vehicle was repossessed by Wells Fargo Auto. When I contacted their redemption department on XX/XX/XXXX, I was told by a representative that I had a principle balance of {$4.00}. I was then transferred to the Office of the President where I made a complaint. On XX/XX/XXXX I received a call from the Office of the President and I was told that my vehicle was repossessed because I had a principle balance of {$4.00}. The gentlemen said he would review the conversation that I had on XX/XX/XXXX to confirm what was said during the conversation. To date I have not heard anything from Wells Fargo Auto.