23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX and I am a XXXX XXXX XXXX  XXXX  and my credit is my life. beginning of XXXX a collection arised for XXXX but being reported on my credit as Enhanced Recovery Co L. I immediately called XXXX and they stated it was because of a box that wasn't returned. I went to XXXX and returned the box to XXXX on XX/XX/2023 at XXXX XXXX. I also will attached the receipt. I then called and notified them that this was turned in along with the receipt information. They assured me this would be removed from my credit within 15 days. It was not removed 15 days later and I called back again. Then I was told this would be handled immediately and they were truly sorry for what this was doing to my credit as I needed a business loan that the bank wouldn't now give me. well today is XX/XX/2023 and the item is still reporting to all three credit bureaus. This is 60 days later and nothing still has been done or removed. My credit is the only that I have to back me and my business and I have lost out on over {$40000.00} worth of loans and credit opportunity because of this issue that they wont rectify
Product: Debt collection

XX/XX/2019 I contacted XXXX XXXX bank to locate the owner of my debt. XXXX XXXX sent me a letter ( attached ) with the name and address of the Creditor. It was Midland Credit Management , Inc XXXX XXXX XXXX XXXX XXXX CA, XXXX ( XXXX ) XXXX. XX/XX/2019 at XXXX PM EST, I contacted the creditor at the above telephone number. I spoke with an operator named XXXX.I told XXXX that XXXX XXXX had stated that they owned my debt and I was calling to settle it. I stated that I was not willing to make any payments over the phone, however I will make a payment at a company website. After he verified my contact information, he stated that the company did not offer online payments. So I asked him to send me an invoice and I will return the bill with a check or money order for the full amount. He told me that they will not send anything without a payment agreement delivered over the phone.I asked for a manager. An XXXX XXXX stated that they would not send anything to me unless I make a payment agreement over the phone. I stated that I dont make any business transactions over the phone. I asked him if he was refusing to accept payment from me and he stated that they will not send me a bill or written explanation of the debt without a payment agreement delivered verbally over the phone.They are preventing me from settling this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD 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 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 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true XXXX accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Payday loan, title loan, or personal loan

So I obtained a loan through Freedom Plus back in 2019 for around {$8400.00}. I was paying normal and on time before the pandemic hit. Since the pandemic hit and my store closed down temporarily. My income and unemployment was inconsistent and not enough and I asked for some help. They did help me for first 3 months deferring payment. I asked for further help ask again my income was inconsistent. They required Bank Statements to look over my finances. Other lenders did not ask for this and gave me more help as they understood the times. All 6 other companies I've worked with regarding my debt did not ask for this but FP. 

I am not one to give out bank statements to seek if I qualify for help. I've always found myself being declined help everytime someone looked at bank statements as a means for helping people. I then went back and forth with them over a period of time trying to get help. They did help one other month deferring payments but I still had to pay. My store opened back up and I was able to pay as income was consistent again. However I found myself not able to catch up and found myself being late. While trying to not hurt my credit i've been paying just under the 30 day late mark. They haven't charged late fees which does help but they are instead CHARGING ME EXTREME AMOUNT OF INTEREST. So out of my monthly payment, {$20.00} is going towards the prinicpal. I've asked for ways to help me get back on track now, will not do any more. I was out needing to quarantine, Paycheck was hurt temp., wont help no more. I won't use this loan company no more.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Re : Acct # XXXXXXXXXXXXXXXX To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/XXXX for my XXXX/XXXX  account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I had I was never late on this account. You reported to my Experian that I had a late payment. Please update.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for credit card, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify.

In my heart, I know that the missed payment doesn't reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment ( s ) on XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 

Thank you for your consideration. 

Have a blessed day!
Product: Credit reporting, credit repair services, or other personal consumer reports

You have a duty to provide the name, address, and telephone number of each person who personally verified these alleged accounts, so that I can inquire about how they verified without providing any proof and bearing my signature. I am again formally requesting a copy of any documents bearing my signature, showing that I have a legally binding contractual obligation to pay you or them. 

XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education 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 - NO BALANCE By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report within 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I left the USA in late 2016 and I paid all my bills and I closed all the accounts I had opened except XXXX XXXX. I just found out from my credit report that someone haked my information and open accounts that I have no knowledge about.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNT : Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ( PROCOLLECT ) COLLECTIONS ACCOUNT HAS BEEN SUCCESSFULLY DISPUTED AND IS NOT AUTHORIZED TO BE REPORTED ON MY CREDIT FILE THIS ACCOUNT IS FRAUDULENT AND CURRENTLY HAS BEEN DELETED FROM XXXX AND STILL HAS NOT UPDATED ON XXXX I NEED THIS REPORTED ACCURATELY IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, I am writing to formally dispute the following account listed on my credit report, which is impacting my apartment search, loan applications, and payment installments : Capital XXXX ( Account : XXXX XXXX XXXX ) According to the Fair Debt Reporting Act ( FDRC ), I am entitled to an accurate credit report. However, there are discrepancies with this account that render it unverifiable and necessitate its deletion. 

DISCREPANCIES XXXX. Name on file is XXXX XXXX. My name is XXXX XXXX XXXX XXXX XXXX. Late payment on file ; I have a letter stating there's no delinquencies on the report Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

Derogatory Mark ErrorsA paid-off collections account is still showing as unpaid. 
An account that was closed and paid in full is still showing up under collections/remarks on my credit report. 

Account DetailsLast Reported XXXX XXXX, XXXXCreditor Name CAPITAL ONEAccount Type Credit CardAccount Status Closed - PaidOpened Date XXXX XXXX, XXXXClosed Date XXXX XXXX, XXXXLimit $ XXXXTerm -- Monthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status CurrentWorst Payment Status 60-89 Days LateDate of Last Payment XXXX XXXX, XXXXAmount Past Due {$0.00}
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX sent me a notice in the mail trying to collect on a supposed debt. They said the original creditor was Bank of America, and that I owed from a credit card back in XXXX. I have never had a Bank of America card!
Product: Payday loan, title loan, or personal loan

I ca n't get any of my personal info
Product: Payday loan

In XX/XX/XXXX I received a loan from Dollar Loan Center in XXXX, CA. I was assisted by employees XXXX and XXXX at the time of applying. During the process I asked both XXXX and XXXX what were the XXXX tables their company charge in interest. I was never given any XXXX explanation from XXXX or XXXX. From XX/XX/XXXX to XX/XX/XXXX I paid XXXX dollars on a XXXX dollar loan. I called numerous times to speak with XXXX and XXXX to ask why the principal of the loan does n't reduce after each by-weekly payment of XXXX dollars and what was in interest charge I was paying since no one explained the APR on the loans they offer. I was never given a clear response from either employee. I was notified after calling every week in XX/XX/XXXX that the XXXX rate I was charged for the loan is XXXX %. I was very upset that I was never informed of the APR associated with the loan. I had maid on time payments for XXXX months not knowing the exact interest I was bring charged. This is very shady and deceptive business practices by Dollar Loan Center. I asked XXXX why she did n't answer my initial question of the XXXX that her company charges. I was told by XXXX that they can only explain their fees by a daily fee charge. I asked XXXX what XXXX in percentage will be to calculate the interest charge. She refused to do so. I never received any documentation explaining I will be charged XXXX % for the loan. I experienced a economic set back that would make it difficult to make the high payments I was making each month. I called and spoke with XXXX and explained the situation to her. I was informed by XXXX that Dollar Loan Center does not work with their customers to make payment arrangements or help reduce the interest. I was told to speak with her XXXX XXXX. XXXX informed me that if I wanted to terminate the loan i would need to pay back the whole XXXX dollars and that the XXXX dollars I have already paid was interest on the loan. Now, After speaking with XXXX, I received daily phone calls from XXXX and XXXX to make payments on the loan after explaining to them that I ca n't and need their help to arrange something but they refused. The phone calls continued daily from different phone numbers and even blocked and private numbers. I asked XXXX why was he calling me from a blocked number if he is calling to collect a debt. I was told by XXXX Dollar Loan Center makes that decision. My wife was also called numerous times even though she was never part of the loan or application. I asked XXXX why he and XXXX are calling my wife and giving out my personal information to her if she is not part of the loan. XXXX replied he can tell her anything since I am married to her. I informed XXXX that is not correct. I was told by XXXX if I had a problem with that to call his XXXX XXXX. Now, Dollar Loan Center is threatening to sue me for XXXX dollars after I have already paid XXXX in payments.
Product: Payday loan, title loan, personal loan, or advance loan

I do not believe the debt on your credit report is valid
Product: Student loan

Requested refund on student loans payment through cares act. Was told 180 days for refund. Edfinancial is the only servicer saying it will take this long. 180 days is unacceptable!
Product: Debt collection

This company illegally placed liens on personal accounts for debts owed by my XXXX. I have set up payment arrangements with the original lender and have been paying them. This law firm refuses to remove the liens on my accounts causing undue hardship by holding my money hostage in my accounts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inconsistent information regarding the closure date of a credit card account listed on my credit report. Specifically, the closure date is reported differently on my credit report from Transunion, XXXX, and XXXX. 

I am requesting that you investigate this matter promptly and take the necessary steps to correct the inconsistent information. I have attached copies of documents that support my claim. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to a written verification or rebuttal of the disputed information. I also request that you notify all creditors who have received my credit report containing the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting multiple 120 lates on my credit report. I have never paid my account 120+ days late. I have contacted XXXX XXXX to correct this reporting with no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a natural person with rights under 15 USC 1681, I would like to file a formal complaint regarding the following items on my credit report that are in violation of the Fair Credit Reporting Act and my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The consumer reporting agencies are governed by 15 USC 1681 and have repeatedly violated my rights. I demand that the accounts listed below be immediately deleted from my report in accordance with the Fair Credit Reporting Act. 

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 According to 15 U.S.C 1681 section 602 A, I have the right to privacy, and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that 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. 

Moreover, the consumer reporting agencies have violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ), which prohibits creditors from failing to reflect a payment made by the obligor or a credit issued to the obligor, and from making a computation error or similar error of an accounting nature on a statement. Since the creditor did not notify me 21 days before with a statement, there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late, as this is clearly a billing error. The account listed below should be updated as agreed on my consumer report. 

XXXX XXXX Account # XXXX If these accounts are not updated immediately, I will seek monetary compensation for the violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. I have already submitted this complaint to the Complaint portal for the State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

Furthermore, I did not authorize the following companies to access or pull my credit report. These inquiries are fraudulent, and I demand that they be removed immediately : XXXX  XXXX XXXX XXXX XXXX, XXXX FL , XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE CONTACTED THESE COMPANIES AND THEY HAVE NO PROOF THAT I HAVE AUTHORIZED THESE INQUIRIES OR PERMISSIBLE PURPOSE.THESE INQUIRIES NEED TO BE REMOVED IMMEDIATELY.
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 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 XX/XX/XXXX 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 or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$7100.00} XXXXXXXX XXXX XXXX Balance : {$7900.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XX/XX/year>
Product: Debt collection

I switched to another phone company and was told that I had been billed and paid all from XXXX XXXX. Then a few months later I received a letter from them saying I owed XXXX dollars on the closed account.
Product: Vehicle loan or lease

In XXXX of last year, I was having a financial hardship, and reached out to First Investors to keep my loan on track. They recommended a program that would drop my interest to 6 % for 6 months, considerably lowering the payments. I completed the contract in XXXX, and went to check my principal balance. It was the same as before I started. {$0.00} for 6 months were applied to principal. All payments before and after this program show amounts applied to principal. I am about halfway through my loan, so principal should be about half of every payment, but it isn't. I called them and spoke to the collections manager, XXXX, who told me it was because off fees and interest nothing was applied to the principal. This is some shady stuff that a consumer shouldn't have to be worried about with a reputable company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XX/XX/year> {$250.00} I was a victim of XXXX XXXX plus Covid 19 in identity theft Im free in trying to get my life together but this account keep messing my credit report up I been paying cause they wnt removed it but Im tired Im drain