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

I borrowed {$320.00} to fix my car because I recently had to get on XXXX. I cant make these payments! They told me the interest rate is over 1000 % Please help me XXXX cant even buy food now at the end of the month. 

XX/XX/XXXX. {$40.00} due XX/XX/XXXX. {$190.00} due XX/XX/XXXX. {$190.00} due XX/XX/XXXX. {$190.00} due XX/XX/XXXX. $ XXXX XX/XX/XXXX {$190.00} due XX/XX/XXXX. {$190.00} due XX/XX/XXXX. {$190.00} due XX/XX/XXXX. {$190.00} due I literally will not be able to eat and pay my electric bills and water. Please help me how can this be legal?
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

i have NO knowledge of this medical debt??!!! 
checked with my medical insurance and they have nothing pertianing to this alleged debt. 

i request this be removed immediately from AR resources i have been anable to reach them via phone.
Product: Mortgage

Loan Care is servicing the loan which we fell behind on and we have been trying to get our short sale approved since XXXX. My agent says they don't know the process, they are asking her for things that are not legal, and now that the appraisal has been done and our offer is meeting the net, they will not send an approval. The underwriter 's name is XXXX, she will not return my agent 's calls. The supervisor we have been dealing with is named XXXX, he just continues to say that she will call us, but we have been in this loop for weeks. Today my agent called in 3 times, was on hold for over an hour and a half the 3rd time and was then disconnected.
Product: Debt collection

Debt not owed, card had not been used in over 2 years, all amounts paid off. company charged interest on a {$0.00} balance then started calling multiple times a day every day of the week. Received 11 calls between Saturday morning at XXXX and Monday morning at XXXX. Some days I receive more than 10 calls. I have disputed the " debt ''.
Product: Student loan

I borrowed {$20000.00} in XXXX and that private loan is being serviced by AES. 
Now, in XXXX, after years of repayment, I have paid over {$20000.00} and still owe {$27000.00} - even though my original amount borrowed was {$20000.00}. 

Ive called multiple times asking to have my $ 420 monthly payment lowered, asked about options for any kind of loan relief, and every time, I am quickly and firmly told there is nothing they can do. My interest rate is over 12 %. 

This feels like Im being taken horrific advantage of, especially since I have already paid back the amount borrowed and still have MORE than the original amount borrowed left to pay. 

I need to help dealing with this company or I will wind up paying almost {$50000.00} for a {$20000.00} loan that I took out almost 20 years ago.
Product: Debt collection

I was contacted by Benuck and Rainey who purchased a debt that I owed to XXXX. When I answered the call, it came from an unknown number and the caller said they have been trying to reach me about a debt I owe. I asked who he was with and he told me Benuck and Rainey. He then proceeded to tell me that they are a collections company that also handle litigation. I asked again, who are you and who are you with. He said, we are handling a debt and we are essentially a law firm who also handles collections. After looking them up, I found they are not in fact a law firm and he REFUSED to send me something in writing. He said they acquired my debt earlier this month and have already sent me a letter ... which I said I did n't receive. He refused again to send another letter and asked if I was ready to pay over {$7000.00}! I believe the initial loan I took out was around {$3000.00}, I had paid about {$3000.00} of the debt but because of the HIGH interest rate and late fees they claim have been added up, I owe another {$7000.00}.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by " XXXX  '' limited which involved me making deposits for a total amount of XXXX XXXX USD from my Coinbase account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial continues to report account past due, which contradicts the Cares Act law that agency are required to report account as current. I have called every month since XX/XX/XXXX trying to get some assistance. On XX/XX/XXXX, Ally employee states that they have no knowledge of this information.
Product: Credit card or prepaid card

On XXXX XXXX I went to the XXXX Macy in XXXX, WA to purchase a mattress & bed frame during their XXXX XXXX  Sales event. I asked for Macy 's White Glove service which includes delivering the mattress and frame for free. the sales person XXXX XXXX kept saying I should purchase a sales floor model as the Macy 's at XXXX XXXX had recently closed and he had great deals on Sales floor models But he could not offer me white glove service on the sales model. I told him I have no one to help me lift or move and I have a XXXX XXXX XXXX. XXXX XXXX manger was present who apparently is also named XXXX last name XXXX from what I have pieced together then put all the info in for a mattress that had white glove delivery then he said he could not deliver it on a Saturday  so he could give me XXXX XXXX dollars off the sales floor mattress and frame and i could order a XXXX delivery which XXXX XXXX then set up on my phone. 
The mattress was to be delivered on Saturday  XX/XX/XXXX the XXXX staff had to drag my mattress up my two flights of stairs. Then when it came time to lift the bed frame they stopped at my front stairs to my apartment and said it was too heavy for them to lift. I said Macy 's had promised the full delivery. The pair of men bickered with me and I got Macys mattress department on the phone XXXX XXXX answered and I said I was sending the XXXX crew back with bed frame because they could not even lift it up one step to my apartment door.XXXX XXXX said he would get a Macy 's Manager to call me.No manager ever called that day. I asked XXXX to call their supervisor and the young man said it was his first day and he had not ever lifted or moved anything and could not lift up any stair case the XXXX took the frame back to macys to a manager called XXXX XXXX XXXX x XXXX which never get back to me. He said he would partner with XXXX but I have left messages and never heard back from him. The number he gives me is not direct. XXXX wants to charge me XXXX XXXX and XXXX XXXX dollars for a bed frame I never obtained because their XXXX could not XXXX. 
I have attached the Macys reciept which states Macys is responsible for delivery. At this point all I want is a refund on my Macy 's credit care for the bed frame and I do not want to purchase anything from Macys again. I feel that Macy 's should pay XXXX. I am hoping you can help me with this situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date of XXXX SS # XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX : Customer Relations Department XX/XX/XXXX Re : Request to describe method of verification To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX Account # XXXX Please remove it from my credit report. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies TXXXX XXXX Account # XXXX Please remove it from my credit report. 


15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry:XXXXXXXX Please remove it from my credit report. 







I was also wondering if you were familiar with something called 15 U.S.C. Sec.

1681i ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately. 
It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided. 
Also, send a copy of the updated report to all who inquired on my credit in the last 6 months. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Thank You, Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX. I am a living person who is filing this complaint for herself. I do not need assistance to file a complaint against your company. I've found a few errors with accounts on my consumer report and its my understanding that you will do an investigation and send me the results. I'm really concerned about this because some of these are really hurting my credit! I would like a new credit report that reflects the changes as well, please. I have some upcoming events this year that will rely on my credit report being accurate so please assist with this. These are the items I am challenging : XXXX XXXX Account # XXXX : Invalid Date of last activity XXXX shows XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX. DELETE this account. XXXX XXXX XXXX Account # XXXX I was never late on this account. I paid XX/XX/XXXX on time. UPDATE to paid as agreed. XXXX is reporting an invalid account number XXXX is showing XXXX and Experian is showing XXXX Also, the date last active is invalid. XXXX shows XX/XX/XXXX while Experian shows XX/XX/XXXX. DELETE this account.
Product: Debt collection

On XX/XX/year>, this company began falsely reporting that I owed money to them for a debt that I never entered into via a valid contract. I do not have a contract with this company. In violation of the FCRA 15 USC 1609, this company is using abusive tactics to extort money from me. They are being deceptive in the fact that theyve used my personal identifying information to profit from the sale of the information to others that have no lawful authority to use it. This company has no ties to me or the use of my name with out my consent. They have failed to provide proof of a verified valid contract. This has caused me damage in the fact that I have been denied credit. They are liable in their private capacity for the damages.
Product: Debt collection

VALIDATION AND CEASE AND DESIST To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor?

PURSUANT TO THE EDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW 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 VALIDATED THE DEBT. 
debt Please do olak at hy didi te shoot rest atyhing ereceporti you have reported this debt.

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute IFYOURASS THS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Debt collection

The Fair Collections and Outsourcing is reporting fraudulant information on my credit reports, transunion, experian, equifax ... The original creditor is XXXX XXXX XXXX XXXX, where I lived ... I eventually had to leave the premises due to a non-liveable apartment ... The first incident was a large water leak that ruined my bedroom furniture ... The leak created mold in the walls and on my carpet in the bedroom and bathroom ... I reported this to XXXX XXXX and it took almost 2 weeks before the maintenance men to deal with the problem ... A large fan was placed in the bedroom to deal with the leak, however, a mess was made, my furniture ruined, and the fan was so noisy I had to vacate the apartment for several weeks until it was fixed ... After several weeks, the management at XXXX XXXX was notified by me, and the regional manager agreed to discuss moving me to another apartment at XXXX XXXX if further problems should arise ... The Regional Manager XXXX, showed up and hour late for our meeting ... I explained to her that the mold, and huge leak was n't the only problems in the apartment ... Cold water, after a new water heater was put in, ants in the kitchen on a daily basis ... Ants in the refrigerator, bugs in the window ceils, bathroom and tub areas ... MOLD ... Window Problems, Washer and Dry Problems, Maintenance Men dumping the lint traps in front of my apartment as well as the Neighbors apartments ... Eventually, the maintenance men and the exterminator were in my apartment on a weekly basis ... .I put in a 30 day Notice to Vacate the Apartment Complex due to non-livable conditions ....
Product: Credit reporting or other personal consumer reports

XXXX Closed on XX/XX/XXXX EASTERN BANK Closed on XX/XX/XXXX XXXX Closed and paid XX/XX/XXXX XX/XX/XXXX Closed account charge off XX/XX/XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Between XX/XX/XXXX and XX/XX/2020, 3 fraudulent ATM withdrawals were made using my Bank of America EDD card, for a total amount of {$2900.00}.

The card was in my possession at all times yet someone managed to get its details, or rather forge it to get a perfect copy of it, as well as my PIN code, which nobody but me knew. As a result, my account had been drained out. They had withdrawn the maximum daily authorized amount. 
The fraudulent withdrawals were the following : - XX/XX/XXXX : {$1000.00} - XX/XX/XXXX : {$980.00} - XX/XX/XXXX : {$1000.00} I have called Bank of America EDD customer service number as soon as I noticed the fraudulent activity, on XX/XX/XXXX I believe, and a claim was instantly filed over the phone. 

A week later, I received in the mail a notice dated from 2 days after my phone call, stating that my claim had been closed, without any other reason, and without the money being credited to my account. 
I then immediately called them back to have more information, and was told that my case had actually been accidentally closed ... So I instantly reopened a new one. I kept calling and being put on hold for 2 hours at a time, until mid-XXXX I finally got to get an update, to be told that my claim was still pending, and that I should hang tight. 

I waited a few weeks and since there were no news, I called back again mid-XXXX, to be told that my second claim had in fact been closed on XX/XX/XXXX, without further explanation, or even notice received at the time. I was shocked, I had been told that work was still in progress when in fact my case had been closed, for the second time. 

It has now been over 3 months that this money was taken from my account and I still haven't received any update about the resolution.
Product: Debt collection

Apologies for the lack of information provided in my earlier complaint. On XX/XX/XXXX, my employer received a notice to garnish my wages from Mendelson Law Firm. Prior to this notice, I had never heard from this law firm, despite the fact that they somehow had my correct phone number on the papers that were served. 
The debt in question was from a XXXX credit card that I opened XXXX years ago. Frankly, I had forgotten about that card and assumed that the statute of limitations had run out on it. The amount listed was {$1700.00}, though my original credit limit was only {$1300.00}. 
I called Mendelson Law Firm to ask what I could do about it. They told me they would stop the garnishment if I paid {$2000.00} up front, then agreed to make payments on the rest of the {$4000.00} balance. When I asked what contact attempts had been made to me, XXXX ( legal assistant ) told me that they did not have to contact me regarding the revival of a judgment ( apparently there had been a judgment in XXXX as well, but I was never made aware of this that I can recall ). When I asked what contact attempts had been made to collect the debt PRIOR to the revival of the judgment, she did not answer my question and forwarded me to her supervisors voicemail. 
Mendelson Law Firm has purchased this nearly-two-decade-old account to extort money from me. A garnishment to my wages would significantly affect me and my XXXX children, as I am the primary wage earner. They have told me that I have to pay MORE than my original debt in order to keep this garnishment from occurring - for a debt that they have never contacted me about. I am deeply concerned about the legitimacy of their business, for myself and other consumers that they are preying on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last date that is relevant XX/XX/2019 It is ongoing Dispute with XXXX ( Creditor ) No valid verification method. Inadequately Reporting. 
I have sent disputes approx. 3 to 4 times with proper information and explanation. 
no credit debt should be on my XXXX account the balance should be XXXX. It has once again affected my credit rating. 
I constantly monitor my report with all 3 reporting agencies daily. 
requesting to remove with prejudice. 
XXXX should remove promptly from my report. 
1ST XXXX XXXX  XXXX has been PAID IN FULL ( Showing on my report ) 2ND XXXX XXXX -should be deleted not my charge XXXX 3rd bay area credit should be deleted not verified XXXX Total of XXXX They have received information on this prior.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have been made aware that a credit charge has been placed on my national credit report by XXXX XXXX University and it has been made fraudulently. I have had this discussion with their school officials and Ive told them numerous times I was never enrolled at their institution. It was an enrollment advisor who made this decision on her own fruition after she made notes on the account that she couldnt reach me or and still made a conscious effort to vindictively enroll me without my consent. They kept asking me to write a letter stating this and I told them no because its an admission of enrollment and it wouldve protected and absolved the employee from all responsibilities of what she took upon her to do with out my approval and with any consent, fraudulent on behalf from me. I never confirmed enrollment with any representative at XXXX XXXX University. 

I have spoken to numerous representatives, most of the encounters were unpleasant Kurt and rude, some were deceitful and only a few were understanding and kind .I told them I dont agree with what was done and I think it was a biased and prejudice move and that writing a letter would suggest that I did agree to enrollment, and not one XXXX Representative that I spoke to tried to even correct the matter. This so-called XXXX specialist, documented Im some note taking system that she never spoke with me after our initial conversation of me expressing intention and interests and according to her, as I was quoted by another representative it was like I, ( XXXX XXXX XXXX XXXX dropped of the face of the planet, because she never spoke to me or heard from me again. I am a XXXX individual and Im sure she didnt hear from me again is because Im battling a XXXX XXXX XXXX illness. Knowing all of this brother this XXXX specialist  or her colleagues could help me resolve this issue. All in all, she still thought it was a great idea and continued to go ahead with the fraudulent enrollment illegally and without my consent. Then, XXXX XXXX had the unmitigated gaul and audacity to turn this over to a collection agency, XXXX XXXX XXXX for {$13.00}, XXXX I have contacted Federal Student Aid, XXXX, US Department of Education, Office of Inspector General and the local news outlets to help me get this resolved for good. I am extremely hurt and disappointed by what XXXX XXXX made a conscious decision to do and also in their lack of understanding in attempts towards resolving this as well. Filing these fraud charges against XXXX XXXX is the only way its going to get permanently resolved, removed and dismissed. 

I can be reached at XXXX to further discuss how this is going to be resolved and rectified by XXXX and its representatives. 

Respectfully submitted, XXXX XXXX
Product: Money transfer, virtual currency, or money service

CONDUCTED ON XX/XX/2022 IN THE AMOUNT OF USD XXXX FROM ACCOUNT XXXX THE ORIGINATOR 'XXXX ' XXXX SENT VIA your good bank for further credit account XXXX of XXXX  XXXX XXXX XXXX XXXX opened with XXXX XXXX  XXXX . 
OUR TRANSFER WAS REWIEVED BY THE OFFICE OF FOREIGN ASSETS CONTROL AND IT WAS AUTHORIZED FOR JPMorgan Chase Bank to process the transfer in accordance with the original payment instructions UNDER LICENSE NO. XXXX : JPMorgan Chase Bank N.A . blocked this transfer pursuant to U.S. sanctions administered by the Office of Foreign Assets Control ( OFAC ). OFAC has carefully reviewed the information presented and otherwise available to it in connection with this transfer and has determined that JPMorgan Chase Bank N.A. is authorized to process the transfer in accordance with the original payment instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX