23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX I took out a XXXX payday loan from Rushmore Financial. It was one of 6. out of control, I quickly agreed to have XXXX XXXX recommended to me, begin working for me to settle these payday loans. They told me toi send out an offcial letter stating i dont want them to cotninue to take out weekly payments from my bank. XXXX and the rest of them all got these letters. I did recieve 3 different agreement settlements working with XXXX XXXX, XXXX was one of them. I still have the agreement, the email just to confirm a few years later when they first started harrassing me, and my bank records that was set up to hold these fund, that I finished paying my debt to XXXX in XX/XX/XXXX. 

The past week, my aunt, my cousin who lives in another state and my father have recieved calls from someone claiming to be with the Department of XXXX XXXX, and threatened me that he had no choice but to push this form for wages of my XXXX social securitty to be garnished if I didn't pay the XXXX for this Rushmore Financial debt. As soon as I heard those words, I told him I already paid and go ahead and do whatever cause I have proof. He called me 3 more times, then at night, and now this morning I got a call claiming his name was XXXX XXXX a mediator from XXXX XXXX of sumner working on trying to keep XXXX 's lawyers from prosecuting me to the fullest extent, he claimed they were ready to move forward for identity theft, and fleeing from the law..he even started the conversation by verifying the last 4 of my social security number so innitially I was unsure. XXXX XXXX IS a mediator. He references rushmore lawyers wanting nothing more than toi take me to court, and I stop him to say Dude, i paid that. What do you need from me in order to clear this up? He says he needs my original account number so he can verifiy with XXXX and then close case.., .the thing is..the original account number is my social security, and i reazlized he already knows the last four, ,needless to say harrassing family members whom personal information. was NOT given out to them myself, pretending to be an official with XXXX XXXX i live in, and threatening serious legal allegations for a XXXX dollar loan i paid off in XXXX.
Product: Student loan

At XXXX XXXX ET on XX/XX/XXXX I received an illegible email from Aidvantage in which grey text appeared on top of a grey background. Perhaps when I was young and spry back in XXXX when my life was first buried under these loans I would have been able to read this email. Back then I had pretty good eyesight and I still had a glimmer of hope in my eyes. A quarter of a century later and my eyes simply are not what they once were. I have to hold my phone at arms length and squint to read small text even when it is high contrast. I simply can not read this grey on grey email from Aidvantage and who can afford bifocals with student loan payments restarting? 

Is such an email ADA compliant? Are millions of student borrowers responsible for understanding the fine print of these loans written in this form? Does this comply with the FDCPA? Are there minimum requirements for legibility with such communications. 

What does this email say? Is it to inform me that XXXX is finally fulfilling his promise to cancel student loans and I am finally free? Or is it about an important deadline that I have to meet and my financial life will be ruined if I miss this deadline? Does this email contain my payment amount and due date? Is Aidvantage asking for my first born child or my arms and legs ( or perhaps my eyes )? I just cant tell. About half of the information I get from Aidvantage is inaccurate and I am told to ignore it when I call to ask questions about it. The other half is life-or-death serious to pay attention to the most minute detail. Which one is this email? I cant tell. If I dont take action based on this communication will there be any consequences for me, and if so what will they be? 

The painter XXXX XXXX created a series of ultimate paintings consisting of minute variations of XXXX on XXXX and gray on gray claiming these are simply the last paintings anyone could make. Is Aidvantage poetically trying to tell me this is their ultimate communication with me and my student loans and that the end has come? Is that a good end or a bad end? What is my ultimate fate? Is this heaven or XXXX? 

I am told that XXXX XXXX XXXX XXXX is about sadism, but this is taking sadistic grey prose too far, even for Aidvantage. I am reminded of when the XXXX administration appointed a Borrower Defense Special Master, or BDSM for short, a guy seemed to take pleasure in inflicting maximum pain in order to achieve a discharge. What a sicko. Did the BDSM write this email? If so, what does it say? These people need to find a hobby and stop hurting everyone.
Product: Vehicle loan or lease

Us auto sales closed down and sold my loan to another company called westlake now they dont have no records of my payments and o was paying on it for 3 years they say I owe XXXX when I dont
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting accounts on my credit report that do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from American Express that my application for Hilton Honors American express card needs more info to complete the application. I Have never for such a card although I do have and use an American Express credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$160.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$83.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$580.00} ) Its been over 45 days and ( credit bureau ) havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is refusing to remove inquiries that were obtained without my permission, I have sent them numerous requests asking to remove them and they have not ; so I am filing this compliant against them for unfair credit reporting Unauthorized inquiries listed on my report : : Exter Finance XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/2021 I sent XXXX XXXX XXXX  a letter to settle the alleged debt but they ignored me and within a few weeks hired a company to collect the debt ( Key 2 Recovery ). According to federal codes & laws ( which overpowers state laws ), It's against the law to attempt to collect a debt unless one is a US attorney and has a contract to lawfully collect debt. This is false and misleading representation. Also, XXXX XXXX XXXX  and Key 2 Recovery are both conspiring against me which breaks 18 USC 241.
Product: Debt collection

on XXXX/XXXX/15 i recieved an automated dialer call from Spire recovery. they left a message on my voicemail for my sister in law. they disclosed on the voicemail that she had an account in collections and disclosed the account number on my voicemail. i contacted spire via phone and was told they were handling an account for my sister in law and provided me a file number to reference. the dialer they are using features predictive dialing features which is a violation of the TCPA. Spire disclosing account information on my voicemail is a violation of the Gramm-Leach-Billey Act. the fact i was told they are handling an account is 3rd party disclosure and a violation of the FDCPA. They never stated their communication was an attempt to collect a debt by a debt collector. This is a violation of the FDCPA. i contacted the owners of the business XXXX and XXXX XXXX regarding these violations. they in turn had a business partner by the name of XXXX XXXX contact the owners of the company i work for. XXXX disclosed my sister in laws account to the owners of my company. This is a violation of the FDCPA again by disclosing 3rd party information. I believe Spire is not licensed to collect debt in any state and they have absolutely no regard for the law or rules.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc . ) due to their inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective actions to prevent and protect consumers from fraud on their platform, leave my account vulnerable and unprotected, Furthermore their dispute resolution is unfair and deseptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. They also closed my account for an unknown reason and will not tell me the disclose details of my violations. These actions have cause me great inconveniences and a financial loss. I am seeking appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX, Md XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX  ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 

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

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report. 

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit card or prepaid card

I have 2 American Express cards, Everyday card and a Gold card since 1968. I had a refund from XXXX XXXX in the amount of {$1100.00} which was wrongly, by AM EX agent, applied to my " everyday '' card as opposed to my AM EX Gold.

I made numerous attempts to get the refund back to my AM EX Gold, they finally transferred {$1100.00} to my AM EX Gold NOT AS A CREDIT but as a " balance transfer ''??? I contacted them to correct the mistake only to find out unauthorized use of my rewards point by AM EX agent to offset the credit for their accounting purpose, the {$1100.00} refund from XXXX XXXX that belongs to me. Upon my objection to this unauthorized transaction they referred me to their reward point department to resolve it? Upon discussing the issue with reward point agent, XXXX, he opened a dispute file and fraudulent use of my award points to offset my credit {$1100.00}. UNAUTHORIZED
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXXDate Opened : XX/XX/2018 Balance : {$0.00}
Product: Mortgage

Shellpoint paid the previous owner 's supplemental tax bill, including late fees that had been delinquent, out of my escrow without my knowledge ( I had actually called them and told them specifically not to pay this bill as they had previously threatened me that there is delinquent taxes on my account ) and now keeps telling me lies. The previous owner flipped the house ( doing all remodels without obtaining the necessary permits and lying about it on the disclosures, thus already causing more than enough expenses for me to fix up his bad work ) and owned it between XX/XX/year> and XX/XX/year> at which point I purchased it for XXXX XXXX. The event date triggering the supplemental tax bill shows clearly on the tax statement ( see attached ) and I already paid my supplemental tax. I have been in direct contact with the county tax collector and have been told repeatedly that this is not my bill to pay. I have spent hours on the phone with their tax " experts '' over this already, and it still is not resolved. What they are doing is completely illegal. Also, my regular annual tax that they allegedly paid to the tax collector has not arrived there after XXXX weeks. Moreover, they had disbursed {$16000.00} to me after an escrow analysis without first asking me and then I had to cash the check and pay it back into my escrow account as I knew that property taxes were a lot higher now since I purchased it last year. They have no knowledge whatsoever and cost me a lot of my time at work spent on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to send the paid in full letter that been requested on three separate occasions. Once towards the end of XX/XX/2019, a second time on XX/XX/2019 and a third time on XX/XX/2019. I still have not received the paid in full letter. I was advised I would receive the paid in full letter by the XXXX XXXX  team, which is a direct team of XXXX contact number is XXXX-XXXX-XXXX. This team advised their records show paid off date as of XX/XX/2019 on all three accounts.In addition, to requesting that paid off letters on three separate occasions I also received a call from a law firm stating that my loans no longer needed to be repaid because my loans were submitted into the XXXX lawsuit and all payment request from XXXX are to cease. This call was received after the accounts were paid through the law firm that XXXX obtained to collect the private student loans.  The fact that they have not sent the letter to me, so that I can send it to Transunion as well as all the other credit bureaus is affecting my credit. I have contacted Transunion on serval occasions asking them to update the information and they refuse to because XXXX is failing to update Transunion.
Product: Debt collection

XXXX XXXX XXXX XXXX Promissory Note, Account XXXX Payment Schedule XXXX payments of {$220.00} 1st payment due XX/XX/XXXX Final Payment XX/XX/XXXX This is unpaid on my Credit Reports and I paid as agreed .... 

I made all payments to XXXX  on time, have payment documentation from XXXX and copies of my bank statements with payments made ... .Did not miss a payment... 

My calls to XXXX, and my proof of payments are not accepted -- ( even the payments they received and cashed ) -- they want a document from me that says Paid In Full..This should have come from them ... .My calls to XXXX and XXXX are XXXX -- XXXX  to me, sleeplessness and inability to further my financial situation. 
-- They have this on my credit reports, -- had a Court Date without me. they got money from me that paid this in full, as agreed to... did not miss a date -- they have this with the Collection Agency Resurgent Help, I am XXXX old, on Social Security but not Brain Dead!!!!
Product: Vehicle loan or lease

I financed a loan through Santander in the amount of  XXXX . I have made  XXXX  in payments toward my loan, I request a payoff quote and much to my surprise I still owe more on my loan than the amount I financed. i have asked  Santander  to issue credits toward the principle and they refuse to do anything
Product: Checking or savings account

I made XXXX transfer on XX/XX/22 at XXXX am. 
Goldman Sachs Bank USA locked me out of my account so I could not trace the funds and report them for fraud. They never processed a wire that was made and tried to get me to call in 2 for 1. They are not being honest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Account XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX XXXX  Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. Furthermore, under XXXX XXXX XXXX, Section XXXXXXXX XXXX XXXX XXXX Section XXXX, a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) states that no consumer reporting agency XXXX include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX no person shall 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. Additionally, according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, XXXX and Experian regarding the recommendation from a magistrate as well as an order of dismissal from a judge in XXXX XXXX, Florida. I requested deletion of a fraudulent account that was placed in my name. The court has ruled that XXXX was unable to provide a written contract between myself and the company to the court. Subsequently, the court dismissed the lawsuit attempting to recover funds from me regarding an account that was not my responsibility. 

All of the credit bureaus have refused to delete this tradeline off of my account even though I have provided them the attached court order. This is WRONG. They are claiming they " investigated '' the account on my report. There is nothing to investigate. The court dismissed the suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Mortgage

In XXXX of XXXX I lost my job and became worried about being able to make my mortgage payments. I called Wells Fargo Home Mortage to ask at what point payments made after the due date would report to the credit bureau. After a lengthy conversation with WF about my situation/concerns they suggested I take advantage of a WF Forebearance Plan for my future payments until I became employed again/ or was able to make my regular payments. After 2 additional conversations with WF prior to agreeing to this plan, I was assured two senerios would NOT happen. 1. No late payments would report to the bureau and 2. No lump sum of money would ever be due from me ( all late balances would be added to the end of my loan ). In XXXX of XXXX, ( btw while I was recovering from XXXX ) I received a certified letter from WF stating that I was to pay {$13000.00} or my home would be in foreclosure. I was in shock. I reached out to them to try and get this resolved by explaining what happened but I was very sick so I borrowed the money and paid the $ XXXX to their attorneys. I was too sick to take this on. After recovering ( or so I though ) I had another XXXX in XXXX XXXX which again forced me to put this unethical treatment on the back burned until I could fully recover. In XXXX XXXX, I had a copy of my credit bureau reports sent to me. All 3 show late payments of 120 days from Wells Fargo. The $ XXXX was disbursed as monthly payments that were late even though I had paid the agreed amount on time based on their Forebearance plan amount. This negative reporting has been on my credit report since XXXX.
Product: Debt collection

It has been more than 30 days since my dispute with Professional Debt Mediation Company and  they have not provided the information as requested. In my last complaint they said they needed more time. They have received an additional 30 days already. They havent provided it because they can not prove it because I dont owe it. I am requesting that they follow the law and immediately remove this from my credit report since they can not verify the debt. They still have not furnished evidence of a certified letter being mailed to me. Because it was never mailed. I do not owe this money. Please have them remove it.