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

I started a loan agreement with Easy Cash ASAP on XX/XX/2020, for the amount of {$500.00}. The initial agreement was for 11 payments of {$130.00} for a total of just over {$1500.00}, if minimum payment was made on time as scheduled. However, it clearly states there is no early payment penalty. So, I started paying above the minimum to pay off early. My payments were as follows : XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$130.00} XXXX - {$150.00} XX/XX/XXXX - {$130.00} For a total of {$710.00} Due to the Coronavirus outbreak, my job was affected and my pay was reduced significantly in the middle of XX/XX/XXXX. I informed Easy Cash of my situation and continued to make another payment before I simply could not afford another payment at that rate. I asked for a payoff amount for them while letting them know of my situation. They were not understanding or sympathetic to the situation and demanded that I pay them {$500.00} for the Principal of the payment. This would assume that I paid the {$700.00}, and none of it went towards my principal balance. I was calling to settle with them that day, and they refused to even acknowledge I paid anything to the principal. There was no working with them and since I have had a couple conversations over the phone and they have not budged. I have repeatedly told them that I would be happy to settle for if they worked with me on the number, but they were ripping me off. They are not going to work with me and have threatened through email and phone conversations to turn me over to collections unless the total amount of {$500.00} is paid immediately. At bare minimum I should owe them is {$340.00}, this would be {$20.00} for the first 3 payments, and {$40.00} for the next 2 payments counting towards my principal.

Easy Cash continues to send me text messages demanding their money, I call back and go through the same routine with them every time. I have tried reaching out to them through email, phone, and website help to resolve this issue, and nothing has been successful. 
It clearly states in my contract that I can pay my loan off early with no penalty. Why would my payoff amount be the same as my original principal after I had already paid the loan off 140 %??
Product: Credit card or prepaid card

I just pulled my credit report and found that Best Buy/CBNA is reporting that a joint account ( revolving credit card ) that i was the co-signer on is reporting as profit & loss with a balance of {$4700.00}. This came as a complete surprise to me as I have no debt other than a small personal credit card which i pay off monthly. I immediately called Best Buy/CBNA via the phone number listed on best buys website of XXXX and requested information about the amount owed and how i can remedy the situation and bring this to a XXXX balance. It took them around 30 minutes of hunting to even find the debt in question and they could not find it via any of my information and requested that i provide info on the primary borrowers info, at one point including his ss number, whom i co-signed for. I was able to give them his name and the last 4 of the account that shows on the credit report and finally they were able to find the account. Once they found the account they could then only tell me that they show a {$4700.00} balance but that they are not collecting on the debt and as such i could only make a voluntary payment and would need to mail a check to their PO BOX and that i should put the last 4 of my ss # on the check. I expressed that i was not comfortable with this solution and wanted the account number which they refused to give over the phone. I then requested that they send me a statement in the mail which they could not do because they were not collecting on the debt. The best option they would provide, and it took 30+ minutes to even get them to offer this, was to send me a letter stating they were not collecting on the debt. My issue is that the account was closed in XXXX and has had a growing balance for 4 years and at no time have i ever received any documentation, statement or other correspondence from the creditor to inform me that there was a problem ; much less an amount owed and delinquent. It seems completely unfair that they should be able to report to the credit bureaus trashing my otherwise perfect score and credit history that i am delinquent on an account and balance when they have not sent any correspondence to me seeking payment and then when i call to try to make payment I am told they can not take it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Equifax for improperly protecting my information during their recent breach. As a consumer I expect that my personal information should remain private and a company who monitors my information should be held responsible for failing to protect my private secure information ( SSN, Name, DOB, Address, Credit rating and current accounts ).
On X/X/17 I got confirmation from equifax website that my information was potentially compromised in their recent hack. 

This company was looking to avoid class action lawsuit by making me opt out of any litigation just to get assistance. This is unfortunate and I will not be opting for their credit protection service. If they ca n't protect my information now I do not trust them to do so in the future.
Product: Debt collection

I chatted online with a XXXX XXXX online. On XXXX XXXX. Told her I thought I overpaid between the debt collection agency and XXXX XXXX XXXX XXXX. I also emailed the XXXX XXXX XXXX XXXX on XX/XX/2024. They said that the money I sent them went to the debt collection agency. When I requested a statement showing when I made my payments. I wanted it to show me the dates also that the XXXX XXXX XXXX XXXX. Sent the payments too. She just emailed me a copy saying that my debt was paid in full. Which I already knew.
Product: Debt collection

This debt is not mine. Has been on my credit for years dispite as they say on my credit since XX/XX/19. Attached is a copy from all 3 credit bureaus. Ive written to the bureaus XXXX XXXXXXXX  XXXX and this company, THE BUREAUS, whom are the collection agency. I want to see a copy of a contract between the Bureaus and myself and I want to see my signature on it. If they can not give you this in a letter, then I want this off my credit. Attached is my USPS return receipts ive sent and a copy of my credit report as they are reporting it. They have not given me anything, nothing. Just reduction letters and nothing else. Remove immediatly, thanks The Bureaus XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Thanks. You so much
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX
Product: Vehicle loan or lease

I have been calling Capital One Auto from the time I got sick until now trying to make an arrangement to modify or put my loan on a moratorium and haven't been able to get assistance. I would call in they ask me 2 or 3 questions than ask if I have a payment to send in and they can set me up on a 90 program. I always tell them that I can't afford to make a payment in a half. Since I purchased the car I have had to sale my home and move with my daughter because of medical reasons. I now live in XXXX, TX and the cost of living, food, gas etc is much higher. 
I had a representative XXXX XXXX to call in to speak with Capital One Auto on XX/XX/24 spoke with a representative who told her they couldn't discuss the account that I need to call in. I called in spoke with a representation he asked me 3 or 4 questions then said he can set me up on a payment down then 90 day program again. There is another person that just got a modification and her situation is worse than my situation. 
My XXXX told me that she called in ask for the modification department and was transferred to a XXXX in the Recovery Skip dept. She told me that lady was very rude and spoke to her as if she owed the car loan she said she finally ask her to connect her to someone in the CEO 's office she refused said she wouldn't XXXX XXXX XXXX asked for her supervisor she put her on hold for 10 minutes a young lady named XXXX Supervisor with Vehicle Remarketing Dept came to the line XXXX XXXX asked if she was in the modification dept she said no but that I could only make a payment and be set up on 90 day program. XXXX XXXX asked to be escalated to Office of the President she was put on hold then transferred to XXXX with the office of the President at XXXX opt XXXX XXXX XXXX asked why XXXX XXXX was getting such a hard time getting assistance and when she called in she was transferred to 3 different depts and the representatives were so rude she said they were talking to XXXX XXXX as if she was me. XXXX XXXX also stated that she told XXXX that she has had several clients that have gotten modifications that where in worse shape then XXXX XXXX. She said one client was pass 300 days behind and car note was about the same and that person had gotten a modification before and she was able to get her modified in 20 minutes but you are giving me a hard time when all I want is to keep my car and modify my loan. Well XXXX XXXX also told me she asked it they would put the repossession on hold until someone calls back in 3 days XXXX said they wouldn't allow because nothing that is happening is their fault. How could software determine whether or not I can get assistance by asking me 3 or 4 questions and none of them have anything to do with my hardship, how much I am spending out and the reason for my hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XX/XX/2022, we were placed on a COVID forbearance plan that expired on XX/XX/2022. In that time, I applied for homeowners assistance fund that was available through the Florida Department Of Economic Opportunity. My application was approved on XX/XX/2022 and they stated they would distribute funds directly to my service provider which is XXXX XXXX to pay the amount due/past due amount on my Mortgage. Unfortunately, there wasn't a timeframe provided on when they would send the funds. It's been over a month. I've been in contact with XXXX to advise them of this, and they stated my account was protected even though my forbearance ended on XX/XX/XXXX. All they said i could do was stay in contact with them once I advised I was waiting on payment assistance and they are aware that the time varies on when the funds are sent. I called last Thursday and spoke with XXXX on the XXXX as i scheduled a payment for XX/XX/XXXX, to inquire if i should make my regular monthly payment now that my Forbearance ended even though i was still waiting on assistance due to me not wanting a late payment on my credit or my house to go into Foreclosure. I was assured it would not, and was advised to not make any payments until the amount due/past due was paid on my Mortgage by the Florida Department Of Economic Opportunity . I was assured this wouldn't negatively impact me, and XXXX even stated they spoke with their supervisor who even cancelled my payment that was scheduled for XX/XX/2022. Now it is XX/XX/2022, and XXXX XXXX and I both had our credit scores hit and they were dropped XXXX points. I am extremely upset, and i attempted to contact XXXX, XXXX today, and every time i contact the main customer service number, i get told due to high call volume, i need to call back at a later time. Well, i tried multiple times throughout the day at different numbers and can not reach anyone. I finally spoke with my lender directly Lakeview Loan Servicing, who transferred me internally to someone in XXXX, who then transferred me to another person. This whole situation is a nightmare, I just want our credit report fixed, and I want our mortgage protected until the funds are paid on the amount thats due/past due that was promised through the Florida Department Of Economic Opportunity .
Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Immediate Account Deletion and Investigation of Fraudulent Reporting Practices To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal demand for immediate action regarding fraudulent accounts on my credit report and an investigation into the reporting practices of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX institutions. 

# # Demand for Immediate Account Deletion TransUnion has recently deleted the disputed accounts from my credit report, recognizing the validity of my claims. I demand that Equifax and XXXX immediately follow suit and delete these same accounts from my credit reports. Your failure to do so constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and perpetuates the fraudulent practices of the reporting financial institutions. 

# # Investigation of Fraudulent Practices The sudden deletion of these accounts by XXXX, after years of disputes, raises serious questions about the legitimacy of these accounts and the practices of the reporting institutions. I demand a full investigation into : 1. The failure of these financial institutions to issue required 1099-C forms for allegedly canceled debts.

2. The continued reporting of these accounts despite the lack of proper documentation.

3. The sudden deletion of these accounts when pressed for 1099-C records.

# # Demands for Immediate Action 1. Delete all accounts that have been removed from my XXXX report from your records within XXXX business days. 
XXXX. Provide a full accounting of all communications between your agency and the financial institutions regarding these accounts. 
XXXX. Initiate an investigation into the reporting practices of XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX and other involved institutions. 
4. Provide written confirmation of these actions within 10 business days.

# # Legal Implications Your agency 's continued reporting of these fraudulent accounts, especially in light of XXXX 's actions, may constitute : 1. Negligent or willful noncompliance with the FCRA 2. Complicity in the financial institutions ' fraudulent practices 3. Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit report information Failure to comply with these demands will result in immediate legal action, including but not limited to : 1. Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) 2. Pursuing legal remedies under the FCRA, including statutory damages, actual damages, and attorney 's fees XXXX. Seeking punitive damages for willful noncompliance The deletion of these accounts by XXXX confirms the validity of my claims. Your immediate action is not just expected, but required by law. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

PRIVATE AND CONFIDENTIAL Subject : Second Request for Immediate Removal of Incorrect XXXX  XXXX XXXX from Credit Report. 

Dear Sir/Madam, I am writing to follow up on my previous request dated XX/XX/XXXX, XXXX, regarding the removal of the delinquent child support account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report. I am pleased to inform you that both XXXX and XXXX have already complied and removed this account from their records. However, I have not yet received confirmation of the same action from your agency. 
As stated in my prior communications, recent federal court rulings have confirmed that delinquent child support obligations do not qualify as a " credit transaction '' under the Fair Credit Reporting Act ( FCRA ) amendments ( FACT Act ). Therefore, the reporting of this account violates the permissible purpose standards under the FCRA. 
Moreover, this is not a credit account, and the XXXX of the Attorney General is not mandated to report or update this account with credit bureaus monthly, as is required for traditional credit accounts. This further underscores why this account should not be included in my credit report. 
In addition to these points, the information being reported is completely inaccurate. This account has never had a late payment, and I have attached my payment record as evidence. The delinquency being reported is false, and this violation of the FCRA must be corrected immediately. 
Given that both XXXX and Equifax have already removed this account, I insist that you take similar action and promptly remove XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX from my credit file. Please provide written confirmation of the removal. 
Should this matter not be resolved in a timely manner, I will be forced to consider legal or regulatory action. I trust you will handle this issue with the urgency and attention it deserves to ensure compliance with federal law. 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was submitted XX/XX/2023 for a collection that appeared on my account. 
Account : BERLIN-WHEELER-KS Number XXXX XXXX The account violated 15 U.S. Code 1681b.

I did not authorized my consumer report to be given or sold to any other party. This has violated my right to privacy.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts and inquiries on my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have all unauthorized items removed immediately. 
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 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: Student loan

XX/XX/2023 at XXXX I called Navient and told representative that my payment XX/XX/2023 will be 25 years of payments and what do I need to do to get my balance dismissed. Navient rep said they only show 10 years of payments. I told rep I paid Sallie Mae before that. Rep told me that doesn't count.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get the late payments reversed on this account! I am very upset that I have NEVER missed a payment. I need this adverse action removed from my credit report as I am an XXXX and this is causing headache to get approved from banks as I never miss my payments! Please remove it IMMEDIATELY. I have attached a bank statement and my identity proving me as the right person, and that I have always paid my payments on time. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Phone : XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX
Product: Checking or savings account

Tried to connect my PNC account through XXXX, they won't let me.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 violated my rights. I looked at my Transunion credit report on XX/XX/2024 and noticed some things 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 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) 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 suppose 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

Bridgecrest is reporting inaccurate information on my consumer reports that has affected my credit score and hurt my ability to obtain credit. Under The FCRA all accounts must be reported 100 % accurately. This debt was paid in full by the insurance company several years ago. Bridgecrest is also violating m y consumer rights, I have the right to privacy. Bridgecrest purchased this debt for less, the account has already been paid, This account is not reporting accurately. Removed this inaccurate accounts immediately to prevent future litigation.
Product: Payday loan, title loan, or personal loan

I BORROWED {$200.00}, IN AN FINANCIAL EMERGENCY, FROM XXXX XXXX XXXX OFFICE IN XXXX, TN, ON XX/XX/2019. THEN ON XXXX XXXX ; AT XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, IN XXXX XXXX, TN XXXX ; I WAS TOLD MY PAYOFF IS {$210.00}, SO I PAID {$210.00}. HOWEVER, I HAVE BEEN CHARGED MUCH MORE THAN {$210.00}, ON XXXX XXXX, I PAID OFF THE LOAN IN PERSON AND MY CHECKING ACCOUNT WAS ALSO DOUBLE BILLED /CHARGED ANOTHER {$45.00}, IN XXXX , TN. 
TODAY XX/XX/2019 I WENT INTO THE XXXX   XXXX OFFICE, IN XXXX, TN AND ASKED FOR THE REIMBURSEMENT OF MY OVERBILLED MONIES AND THE CLERK NAMED " XXXX '' REFUSED TO REFUND MY {$45.00} OVER/ DOUBLE BILLED CHARGES! 

XXXX THREATENED TO HAVE ME ARRESTED IF I DID NOT LET THE OFFICE KEEP THE MONIES. MY LOAN OF {$200.00} WAS JUST FOR 40 DAYS, I WAS FORCED TO PAY A TOTAL OF {$260.00}. 
I WAS OVERBILLED/ DOUBLE BILLED {$45.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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