23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1 )  XX/XX/XXXX {$400.00} loan taken out with SPEEDY CASH. Loan Number : XXXX 2 ) XX/XX/XXXX {$70.00} payment made on loan XXXX 3 ) XX/XX/XXXX Loan paid off. Speedy Cash received ACH/EFT payment for loan number XXXX in the amount of {$380.00}. 
4 ) Early XXXX XXXX XXXX XXXX  XXXX contacts me about a delinquent debt with Speedy Cash. They do not offer to send written validation of the debt and threaten me with jail time if I do not pay. 
5 ) XX/XX/XXXX I call XXXX XXXX XXXX to get more information. They will not tell me the original loan amount, they will not send written validation, they say that they can accept payment of {$1000.00} today or send my file to XXXX County court. I ask if they need my address for a summons and they claim to not need to send me a summons. 
5 ) XX/XX/XXXX I call Speedy Cash. They ensure me that I only ever took out one loan for {$400.00} and it has been paid off. They are sending confirmation to me within the next 24 hours. 


Company info : 1 ) Speedy Cash XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX 2 ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Debt collection

In 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. 

XXXX XXXX XXXX : Account number : 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 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not fumish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In 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. 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items I have on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Debt collection

This is a false debt place on my name, I do not owed anything to this company. Never receive any letter or notification about this debt, only got this on my credit reports on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of
the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 Sec. 2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am submitting this to address and request the removal of unauthorized inquiries and an inaccurate address mistakenly listed on my credit report. I did not authorize the inquiries detailed below and provide them here for your comprehensive investigation : XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. I have not applied for any credit or services with the entities listed above. The inclusion of these unauthorized inquiries on my credit report is a breach of my privacy rights and may negatively impact my credit score.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have been in a financial hardship so I was late on making a car payment. My car had some repairs. I asked if I can get an extension if I was to make a payment? USAA rep says they can not guarantee I then ask well how can I get an extension? XXXX the rep I spoke with on XX/XX/XXXX says I have to be current. I then say ok so if I make a payment am I able to get an extension? XXXX then says she can not guarantee. <<<so either way she is saying no. I then get this email stating the opposite. You can not get an extension if your past due. What???!! I just asked if I could if I made a payment. This is a deceptive practice I was able to get one a couple years ago but now they dont know if I can? Rep is lying then sends me an email. Please get involved w Usaa and please advise them of the deceptive and unfair treatment they are doing with their consumers. This is not right and need to be sued.
Product: Mortgage

Applied for a loan 5 months ago, home purchase with a construction loan to make improvements. NOT an fha loan. Underwriter demanded a HUD inspection ( {$750.00} ) then refused to accept his findings and demanded an Engineer Inspection ( {$700.00} ). Underwriter has delayed beyond reasonable time standards, even refusing appraisal and sending it back three time. Last time for a non-essential typo. Now four days before closing the closing costs are {$3400.00} higher than original estimate. All due to the excessive delay by underwriter.
Product: Debt collection

Kinum, Inc. Corporate Headquarters XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , VA XXXX Email : XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Initial call from a XXXX XXXX CEO from kinum.com, said straight up is this " Insert Name '' with Social Security Number such and such. If wrong number, peoples identity were compromised. Never said hello, or anything to alert the other person on the end of the call what call was about. If wrong person ( cell numbers change often ), private social security number and name could have been used to create fake identity from a 3rd party.
He threatened to steal my identity and ruin my credit. Told him he had the wrong person.
I later had my Debit card compromised. My bank put a security hold on it, and I had to get a new card.
He called my work multiple times, after I told him not to, and interrupted my work. He kept leaving voice mails at my work also, I saved the last voicemail on XXXX XXXX, 2017. Even after I told him not to. I have other voice mails also from him after I told him to stop calling with time stamps, and numbers of origin.
I also told him to stop calling me on my personal number, and also to stop calling my work. I have records on my personal phone of multiple calls from him and his multiple fake VOIP ( Voice over internet protocol ) phone calls. And also record of voicemail at my work.
Product: Credit card or prepaid card

The original contract said I would not be charged interest for six months, but they charged me all along. Then, when I closed the account the charged me a lump sum of interest over XXXX dollars. The interest charge was only suppose to be at 14 % apr. but its 24 %. I have complained to the company but they say there is nothing they can do.
Product: Debt collection

Rushmore Loan Management is trying to collect on a debt that is n't theirs to collect and it also does n't exist. Rushmore Loan Management has that my mortgage is one month behind due to not paying a payment to XXXX XXXX XXXX in XX/XX/XXXX. 

Please note, Rushmore began servicing of the loan as of XX/XX/XXXX. They are trying to collect a debt that is n't owed because XXXX XXXX XXXX made an adjustment to the loan due to a mortgage modification. 

Rushmore also has an incorrect loan balance from the beginning of the loan. If anything, they owe me money. I 'm attaching the loan transfer information. It has the proof of date that Rushmore began servicing loan. I 'm also attaching XXXX XXXX XXXX 's final statement, dated for XX/XX/XXXX payment. It shows a final principle balance of {$100000.00} ( I circled it ). The statement does not show any late payments. It actually shows " unapplied funds '' which Rushmore does n't show on their records.
Rushmore shows in there records of a beginning balance of {$100000.00}, I circled that too. The unapplied funds which Rushmore does n't show on my account is {$490.00} which was actually sitting on account prior to filing a bankruptcy. It should actually be applied to the principle on my loan cause technically I 'm out of Bankruptcy now. This unapplied funds can easily be viewed on the XXXX  XXXX XXXX final statement. You can also note my final payment to XXXX XXXX XXXX which was applied XX/XX/XXXX. There are no missing payments reflected on the statement. 

Rushmore is in violation of the Fair Credit Reporting act on trying to fraudulently collect a debt, putting my loan in a false default and I think their in violation of insurance fraud because I think they have fraudulently collected on mortgage DEFAULT insurance. I 've tried to correct this so many times with Rushmore by even reconciling their statements for them. 

I want my loan taken out of default. They should also be assessed each individual {$1000.00} for each occurrence for violation of the Fair Credit Reporting act and they should be investigated by the appropriate agency regarding mortgage loan servicing fraud. 
Please see the attachments. Please also note, I circled all the payments made to Rushmore that are noted in their own records. You will see, I have n't missed a payment. 
Thanks, XXXX XXXX
Product: Credit card

I received alerts from both XXXX and XXXX XXXX that someone has attempted to open a credit card with JPMCB ( Chase Bank ) using my information-IT WAS NOT ME!
Product: Student loan

At the time the loans were in repayment. Navient did not inform us regarding payment of the loans. In addition, the loans continued to grow due to interest. After a year of interest being added to the loan, we were notified that we needed to pay the accrued interest as well as late fees that were added to the unpaid months. As indicated earlier, we were not notified regarding the payments ( statements did not come to the home ) however we did receive the statement requesting the payment for the late fees and accrued interest. In addition, we have been in contact with Navient informing them that those payments are not possible and if we are able to obtain payment options. We were told we would receive the necessary paperwork however ; we have not gotten them. 

The loans were not paid for several years and as the person ( s ) responsible for the repayment we were not notified of the capitalized interest on the loans and late fees. In addition, the owners of the loans did not notify us about the possibility of sending the loans into default of options to resolve the payments for the loans.
Product: Debt collection

Dear CFPB I am writing to file a complaint against ALDOUS AND ASSOCIATES for their actions in attempting to collect a debt that I believe I do not owe. The debt collection agency has been contacting me repeatedly about a debt they claim I owe, but they have not provided any proof of the debt or of any contract or agreement that I supposedly entered into.

According to Title 15 of the United States Code, Section 1692g, debt collectors are required to provide consumers with certain information, including the amount of the debt, the name of the creditor, and the consumer 's right to dispute the debt. Despite my repeated requests for this information, the debt collection agency has not provided me with any proof of the debt or of any contract or agreement that I supposedly entered into. 

I believe that the debt collection agency 's actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), which is designed to protect consumers from abusive and unfair debt collection practices. Specifically, the debt collection agency has engaged in harassing and misleading tactics in their attempts to collect a debt that they have not provided any proof of. 

I am requesting that you investigate this matter and take appropriate action against the debt collection agency AS REQUIRED. I would also like the debt collection agency to cease all collection activity because they cant provide proof of the debt and of any contract or agreement that I supposedly entered into. 

Thank you for your attention to this matter.
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX upstart XXXX XXXX XXXX this is fraud. how dare you make an unsolicited offer of credit to me. I have placed stops with all credit bureaus. 

my trades are NOT settling. spot is fraud. you are bankrupt. 

pay me NOW! 

I have suffered over a XXXX dollars in losses so far. 

$ XXXX " hardship loan 'XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason I'm filing this complaint is because I have inaccurate and unknown things reporting on my credit report. I ask the credit bureau to investigate within 30 days as the law requires and I have not heard anything back from credit bureaus as of todays
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has put inquiries on my report that are not authorized. 

1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX  XXXX XXXX - XX/XX/XXXX
Product: Debt collection

RE : Cease and Desist Request Regarding Account # XXXX To Whom It May Concern, This letter is to formally demand that Sequium Asset Solutions immediately cease all collection activities and communication regarding the alleged debt associated with account # XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you discontinue all contact with me in relation to this matter. 

Legal Basis Statutory Protections : The FDCPA explicitly provides that upon receiving a written request to cease communication, a debt collector must stop all contact, except to inform the consumer of the cessation or to notify of any specific legal actions to be undertaken. 

Relevant Case Precedents : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Asserts that all debt collection practices are subject to the provisions of the FDCPA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Reinforces the requirement to honor consumer demands under the FDCPA. 

Dispute of Alleged Debt I hereby request that you provide verification of the debt as required by 15 U.S.C. 1692g ( b ). Until such verification is provided, you are prohibited from continuing any collection activities or reporting this debt to credit reporting agencies. 

Required Actions Effective immediately, Sequium Asset Solutions must refrain from : Contacting me through any medium, including phone calls, emails, or postal mail ; Reporting, sharing, or updating information about this alleged debt with any credit reporting agencies ; Selling, assigning, or transferring this debt to any other entity. 

Consequences of Non-Compliance Failure to adhere to this cease-and-desist demand will leave me no choice but to take further action, including but not limited to : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) , Federal Trade Commission ( FTC ) , and the Attorney Generals Office in my state ; Initiating legal proceedings to enforce my rights under the FDCPA and to seek statutory damages for non-compliance. 

Final Notice This letter serves as your formal and final warning. Any further unauthorized contact will be documented as a violation of federal law. If you believe legal action is necessary, you may notify me through proper legal channels. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against experian for failing to properly investigate my disputes regarding inaccuracies on my credit report. 
Despite my submissions. Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the accounts listed below. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX {$690.00} Balance XXXX XXXX {$330.00} Balance XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom it may concern I am writing to formally request the blocking and deletion of fraudulent accounts and information that have been placed on my credit report due to identity theft from a data breach. As a victim of identity theft, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically under FCRA 605B ( 15 U.S.C. 1681c-2 ), to have this fraudulent information removed from my credit report immediately. You are in violation of the XXXX XXXX XXXX XXXX, clearly violating my privacy. 
The following accounts were opened fraudulently and are violating my privacy rights as a consumer by remaining on my credit report : Account Name : XXXX # XXXX {$29000.00} Account : XXXX XXXX XXXX {$36000.00} This fraudulent information is a clear violation of my consumer privacy and protection rights under both federal and state laws. It has caused undue harm to my credit profile and threatens my financial security. Allowing such information to remain on my credit report is a breach of your duty to protect consumers sensitive information. 
To support my request, I have included the following documentation : 1. Identity Theft Report : A copy of my Identity Theft Report filed with the Federal Trade Commission.

2. Proof of Identity : A copy of my government-issued ID and Social Security card to confirm my identity.

3. Proof of Residence : A recent utility bill as proof of residence. 
I request that you block and delete this fraudulent information from my credit file within the legally required timeframe, as outlined in the FCRA, and confirm this action in writing. Should this request be ignored or delayed, I reserve the right to pursue further action, as this constitutes a violation of my consumer rights and privacy protections. 
If you require additional information to process my request, please contact me directly at XXXX Thank you for your immediate attention to this serious matter. 
Sincerely, XXXX XXXX
Product: Student loan

I received my XXXX in 2014 which I paid for with private loans, since Federal loans are not available for graduate students. I moved to Florida after completing my XXXX. I 've struggled with repayments. My loan was in deferral for a year and since then I have made 3 months of payments. I recently called Naviant to explain my situation. You see, I take home {$2400.00} a month. My monthly expenses including rent, cell phone, car, travel to and from work, and utilities leaves me with {$300.00} to spend on food and have for emergencies. Naviant told me I could afford to pay them {$270.00} a month and they will not accept anything lower. This payment is just impossible for me and they wo n't do anything to help. I 've tried to find help and I ca n't. If i had known that trying to further my education would wind up hurting me and my credit this much, I would have never gone back.