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

This complaint is in reference to a payday from Amscot My complaint is about there collection efforts. I took out a payday loan in the amount of {$500.00} on XX/XX/XXXX. I extended the loan due to my loss of employment and I eventually ended up XXXX. I provided Amscot with payments as I received money from various jobs, unemployment, family, etc. I have spoken to XXXX and XXXX of Amscot throughout this whole process. I paid several payments and my latest payment arrangement was made that I would make a payment within two weeks prior to this recent went I went into Amscot on XX/XX/XXXX to pay my daughters utility bill for her using XXXX XXXX. I was assisted by XXXX an employee of Amscot. I presented her with the bill and told her I would like to pay this bill. XXXX proceeded to ask for my drivers license and I told her, this is to pay a bill. I handed her my license, she ran it through their system, and proceeded to tell me, " are you aware you have a payday loan with Amscot, I informed XXXX that I have made arrangements for that balance to be paid and that this transaction has nothing to do with my transaction I am here for. She continued to ask me how would I like to take care of this balance. At this time she was harassing me after I told her payment arrangements had been made and my current transaction has nothing to do with why I am here today. I repeatedly asked for the money back that I had given her for my daughter 's transaction and she kept asking how would I like to pay my payday loan back.

My problem with Amscot they are very harassing even with their phone calls to you. You call and speak to people there, explain your situation, make the necessary arrangements, and they still call you a dozen times a day. It is not necessary if they update their system. I have told them repeatedly you do not have to call me 10 times a day about this loan. They continue to do so. On XX/XX/XXXX XXXX did not read me the mini-miranda because at that time she was attempting to collect a date and any information I provided to her was suppose to be used for that purpose. This young violated my rights. harassed me when I explained to her payment arrangements had been made already. and embarrassed me.
Product: Debt collection

A person left a voicemail after I did not answer phone. I was threatened with a case number. I have no idea who this person or company is. After a few minutes the same person left a voicemail with the same message to my daughter and son in law. I do not even have my son in laws number. The number that called us is XXXX.
Product: Vehicle loan or lease

XX/XX/XXXX I sent world Omni financial corporation a XXXX sent to me from XXXX XXXX XXXX XXXX and my security of indebtedness stamped and endorsed to properly discharge of the debt and to deposit my security into my Treasury direct account. Per their indentured agreement with the security exchange commission dated XX/XX/year> and signed by their vice president XXXX XXXX they have agreed to not transfer Retained notes. Yet they have transferred these notes anyway, and any principal, interest, and all monies to XXXX bank national as their indentured trustee to deposit into a trust account per the granting clause of their indentured agreement. By doing this world Omni has acted in bad faith and defaulted on the loan as stated in section XXXX of their indentured agreement. The contract also states in section XXXX if an event of default should occur and be continuing the and in every such case the indentured trustee or the holders of Notes representing at least a majority of the outstanding amount of the controlling securities may declare all notes to be IMMEDIATELY due and Payable. By a notice in writing to the issuing entity ( and to the indentured trustee if given by noteholders ) and upon any such declaration the unpaid principal amount of such notes together with accrued and unpaid interest Theron through the date of acceleration shall become immediately due and payable. I have spoken numerous times with XXXX XXXX and XXXX XXXX of their XXXX XXXX and they continue to deny me redemption and blatantly hang up in my face though I am the rightful Holder of this Retained Note. I have also contacted the indentured trustee XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX illinois and he continues to block my calls. World Omni financial has no way of contacting their deerbeach Florida branch though their XXXX customer service branches in XXXX XXXX XXXX seem to believe they are above the law. Today I faxed my Security of indebtedness and XXXX to them stamped and endorsed and XXXX denied me my cusip number and blatantly acted as if she didnt see the certificate and has hung up in my face XXXX times. I will be going to the highest of means to get this resolved since world Omni financial has seemed to have forgotten their fiduciary obligations to the security exchange commission and to the Holders of these Retained Notes of indebtness.
Product: Student loan

On XX/XX/2023 I attempted to make a payment on all of my loans. Payment was " received '' for only 7 of my 9 loans despite there being enough money in the bank account used. Additionally, the payment was never processed on the bank side so it is unclear what Edfinancial is doing. They have not been helpful over the phone or via email. I repeated payments but they are still processing. In the mean time interest has accrued despite the fact that i attempted payment because their system " glitched. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loans are appearing on my credit report. I have contacted Navient, XXXX, viewed the student database and have contacted the college in question. Not one agency or organization is able to provide a signed promissory note with information about these loans for verification.
Product: Student loan

I was discriminated against national origin. The school held me back from XXXX XXXX  and allowed XXXX of XXXX  in from XXXX through now. I dont believe my student loans and debt is fair. Cases have proven that those XXXX XXXX pay three times more then me as an American. They also have Allies in other countries. I attempted XXXX because I found no way out. Ive been XXXX for XXXX years and want to finish my XXXX program now that I am healed by God.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2021, XXXX of 2021, and XX/XX/XXXX I sent certified letters to Experian, XXXX, and XXXX demanding verification of XXXX XXXX and all of the documentation for verification of the account to be provided to me. I sent the requests via certified mail and never received any documentation of the verification ; and the transaction was updated to include more erroneous information. 

I sent certified letters requesting the following 1. The name of who verified 2. Documents that show I agreed to pay 3. Agreement that grants XXXX XXXX authority to collect alleged debt 4. Purchase Agreement 5. My signature saying I agreed to pay debt If you can not send me this information I demand you to remove the account. If not I will be taking this into litigation for willful non compliance pursuant to 15 USC 1681n and will be expecting and invoice for {$1000.00} per violation.
Product: Debt collection

Equifax leaked my personal information as well as the information of over 143 million Americans. This situation has affected me mentally as well as damaged my overall credit score and credit health. The three major credit bureaus XXXX, Equifax, and XXXX are now reporting accounts to my credit file that are a direct result of Identity theft. Credit reporting laws ensure that bureaus report only 100 % accurate credit information, and every step must be taken to assure the information reported is completely accurate and correct. 

I have requested debt validation, yet I have yet received any information in over 90 days. I am distressed that this account is currently being reported to my credit file. While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. I will bring this information forth to a judge in my area, if these accounts are not removed from my credit file. 

The Fair Credit Reporting Act requires you to remove this account from my credit report as soon as possible. My lawyer has taken the steps necessary in order to bring this information forth to a judge in my area if this account is not removed from my credit file as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. After reviewing my report, I have noticed that there are several errors that need to be corrected. I am hoping that you will take the necessary steps to correct these errors as soon as possible. 

Firstly, there are several items of personal information that are incorrect. The account numbers associated with my previous addresses at XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, FL XXXX in XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX are incorrect. Additionally, the employers listed for account numbers associated with XXXX XXXX XXXX and XXXXXX/XX/XXXXare incorrect. 

Furthermore, I am confused as to how the XXXXXX/XX/XXXXy case with Case Number XXXX was verified on my credit report when other bureaus were not able to verify it. I request that this inaccurate information be removed from my credit report immediately. 

I also dispute several unauthorized inquiries on my credit report. The following inquiries have reached the statute of limitations and must be removed : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXXXX/XX/XXXX LXX/XX/XXXX, and XXXX XXXX XXXX ( inquiry on XX/XX/XXXX and XX/XX/XXXX ). Additionally, the following inquiries must be removed immediately as they were not authorized : XXXX XXXX XXXXXX/XX/XXXX ( inquiry on XX/XX/XXXX ), XXXXXX/XX/XXXX( inquiry on XX/XX/XXXX ), XX/XX/XXXX ( inquiry on XX/XX/XXXX ), XXXX XXXX ( inquiry XXXX XX/XX/XXXX ), XXXX XXXX ( inquiry on XX/XX/XXXX ), and XXXXXX/XX/XXXX ( inquiry on XX/XX/XXXX ). 

Finally, I dispute several accounts listed on my credit report. The payment status, balance, comments, payment history, and account numbers associated with XX/XX/XXXXXXXX, XXXX. ( account number XXXX ), XXXX ( account number XXXX ), XXXX ( account number XXXX ), and XXXXXX/XX/XXXXXXXX ( account number XXXX ) may be incorrect and must be verified, fixed, or deleted from my report. 

I appreciate your attention to these matters and request that you contact me as soon as possible to confirm the removal of these inaccuracies. 

Sincerely, XXXX XXXX
Product: Student loan

I have ask XXXX XXXX on XX/XX/2019 via email to provide me with the estimated value of my loan in 25 years when it will be forgiven. No response see was provided until XX/XX/2019, which stated that it is impossible to calculate. I gave them an average payment I make per month and the interest rate and asked them to calculate that on XX/XX/2019. No response was given until XX/XX/2019 stated it was impossible to calculate. The problem that they refuse to acknowledge is that I have a right to know the approximate value of my loan at the end of the term. I owe {$180000.00} at this point. I have paid {$26000.00} in 6 years on the loans and only {$1000.00} has gone towards principal. I have no way of getting ahead on these loans without information. They refuse to provide that. It is criminal how little of my payments have been used to cover principal and I am also complaining about this. I have called in multiple times in the past to find out if there are better programs available to me and none are given. At this point, i can only guess that I will owe over {>= $1,000,000} at this rate putting me owing an amount of taxes I will never be able to afford. I need help to figure this out because I am in financial ruin over this and will most definitely be bankrupt at the end of the term and need to figure out my options. I can't do so without an somewhat accurate idea of what my financial situation will be which is based in this loan and some sort of payment plan that doesn't have me giving tens of thousands of dollars to a government agency via a ridiculous amount of interest they charge that can not even be applied to hiring staff educated enough to answer a simple question. I have paid {$26000.00} for 1 simple question to be answered and I would like a response.
Product: Student loan

Hello, This is in regards to my XXXX XXXX loans with Mohela and XXXX XXXX XXXX loans with XXXX. I completed a XXXX XXXX Applications against The XXXX XXXX XXXXXXXX XXXX and XXXX XXXX in XXXX on XX/XX/2022. I am XXXX XXXX XXXX vs XXXX. After I completed the XXXX XXXX Applications, I was advised to consolidate the XXXX XXXX XXXX XXXX loans. Which I did. Now all loans are with Mohela. My complaint is this..I need the loans to be put into XXXX XXXX for as long as the XXXX XXXX Applications are being reviewed by the XXXX XXXX XXXX XXXX While the loans that were originally with Mohela are in XXXX XXXX, the XXXX loans that were with XXXX that are now consolidated with Mohela are not in XXXX XXXX. I have written Mohela, I have tried to contact them via phone, I have done chat on website, but I am either getting no help, no response or the run around with putting these loans into XXXX XXXX. I need all my loans with Mohela to be put into XXXX XXXX while my XXXX XXXX Applications are being reviewed/processed. Thank you for your time and help with this matter
Product: Credit reporting

I have written to the CRA and disputed the following negative items : XXXX, XXXX, XXXX & University XXXX XXXX. I have also written to each creditor twice and I have not gotten a response. I asked the CRA recently to please provide me with the info the creditor is submitting to them that is allowing them to continue to state that the debts are validated. Each is not responding except for XXXX who is using the XXXX as a collection agency who I informed via the phone to not contact and I responded to them in writing asking for debt validation they have not gotten back to me and The collection agency keeps calling me.
Product: Debt collection

On XX/XX/2021, I came to my place of residence to a notice taped to the outside of the entry door for public display, I received a call from my neighbor while at work stating that there was a collection notice from JPMorgan Chase bank Suing me for the sum of {$18000.00}. They stated on this notice it was an attempt to collect a debt. Which is a violation of 12 USC 1431. This company has never validated any debt with this creditor. They are also in violation of 15 USC 1692g I am disputing this claim and I am requesting that they validate that I owe this debt. This is not a refusal to pay them. 

They filed this with XXXX county ( as per this letter, on XX/XX/2021 ) but its dated XXXX XXXX. This was not received in a timely manner for me to respond. XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX XXXX are the attorneys for Chase bank and they have no authority to attempt to collect on this allege debt. They have negatively impacted my credit data and this misleading and false reporting. I am seeking litigation in regards to this matter. They have not provided this creditor with a court date to respond.
Product: Debt collection

LVNV Funding has been calling over and over. Also threatening to take me to court. I told them on several occasions I have never had a capital one card. Im over XXXX years old what do I need with a credit card. This is FRAUD! I want this to stop and removed from my credit file. Especially XXXX credit report. This harassment is against the law
Product: Checking or savings account

I bought CD of XXXX XXXX XX/XX/XXXX from PenFed.org to mature XX/XX/XXXX. 
I put all my money after they answered my question ( By Phone ) of penalty if i withdraw earlier will deduct 3 months of interest. 
Knowing the penalty I did not worry till I seriously wants to get some of my money even % 10 and was hit with the decision to deduct around {$53000.00} which equals to % 30 of total interest for the life of the CD ( sent by email ). 
So either I was lied to at time opened the account so they get hold of money or they changed their rule later on.

I do not believe in anyway I signed them to deduct % 30 If we are able to listen to phone conversation at time of opening it should resolve the issue. 

Now my children are going to college and have more expenses I started applying to Banking loans ( XXXX and XXXX XXXX ) because I am not able to use my own or even part of my money!
Product: Checking or savings account

I am writing to inform you that the information contained in my File Disclosure report is inaccurate. I kindly request for the immediate removal of the following three inaccurate reports from XXXX : Contributor : USAA Contribution Ref XXXX XXXX XXXX Contributor : USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I urge you to take prompt action to rectify this error and ensure that my consumer report accurately reflects my financial history. Your assistance in resolving this matter would be greatly appreciated. I did not abuse my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently noticed fraudulent activity on reports. What I have found has led me to believe that I may be the victim of identity theft as I did not approve any information to be used in my name. I am requesting that these items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being run. I did not receive any notification or alert to my credit being run for these accounts which is concerning. These fraudulent items are reporting inaccuracies which are directly impacting my relationship with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident.
Product: Credit reporting or other personal consumer reports

Please see the attached dispute letter that was sent XX/XX/2024 which is dated, and time stamped addressing 2 accounts that are reporting inaccurately. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( XXXX ). Experian and XXXX are reporting different dates for the date last active for XXXX XXXX XXXXXXXX. They were notified of this in the letter attached. I contacted the creditor, and they stated that the account was not verified, and all information being reported should be consistent which it is not. XXXXXXXX XXXX XXXXXXXX which is being reported by XXXX and XXXX is not accurately reporting. There are different balances being reported with a discrepancy of {$1.00} and the date last active is also inconsistent. The original creditor informed me that there is no balance of this amount, so I am confused why this information is being furnished. Due to non-compliance and obvious FCRA violations I am requesting that the aforementioned account are removed from my credit report.
Product: Debt collection

Transworld Systems Inc engages in deceptive practices and improper credit reporting. They are reporting a collection of which I paid my debt to the original debtor.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing this letter to formally dispute the actions of midland credit management., as they are in violation of my rights under the following laws and regulations : 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( I ), 12 CFR 1006.34 ( d ), and 15 USC 1681 -s 2 ( 7 ) ( a ).

I have recently discovered that there is an item on my credit report that has been reported by your company, Midland credit management. This item is inaccurate and is causing harm to my credit score. The laws and regulations listed above clearly state that inaccurate information must be removed from credit reports in a timely manner.

I am requesting that Midland Credit Management immediately remove this item from my credit report in accordance with the laws and regulations that protect my rights as a consumer. Failure to do so may result in legal action being taken against your company.

I am attaching copies of the relevant laws and regulations for your reference. Please respond to this dispute in writing within 30 days to confirm that the inaccurate item has been removed from my credit report.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the item has been removed from my credit report. 

Sincerely, XXXX XXXX
Product: Credit card

Subject : XX/XX/year> Cease and Desist Notice Regarding Alleged Debt Request for Debt Validation To Whom It May Concern, This letter is a formal demand that you cease all communication with me regarding the alleged debt referenced in your correspondence, pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 
I do not acknowledge any liability for this debt. Under federal law, you are required to provide proper validation of the debt, including but not limited to : XXXX. The original creditor 's name and address. 
XXXX. A copy of the original signed contract or agreement ( if applicable ). 
XXXX. An itemized statement of the amount claimed, including principal, interest, fees, and any other charges. 
XXXX. Verification that you are legally authorized to collect this debt. 
XXXX. Chain of title or assignment XXXX. XXXXorward Flow Agreement Until this information is provided, you must cease all collection activities, including phone calls, letters, or reporting this debt to any credit reporting agency. Failure to comply with this request may result in legal action against your company for violations of the FDCPA. 
Additionally, I demand that you cease all further communication with me regarding this matter, except for the required written validation of the debt. Any further attempts to contact me outside of compliance with 15 U.S.C. 1692c will be considered harassment and a violation of my rights under federal law.

If you believe this debt is valid, you must provide the requested verification within 30 days from the date of this letter. If you fail to do so, I will consider this matter resolved and will take necessary steps to enforce my rights under the FDCPA, including reporting your violations to the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General. 
This letter serves as official notice under federal law. Please govern yourself accordingly.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Late Payment XXXX XXXX XXXX XXXXXXXX - {$0.00} Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>