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

In XX/XX/XXXX I was struggling to make rent and I got a letter from CashNet USA and applied for and recieved a {$2600.00} loan. I believed at the time that the re-payment would be {$210.00} a month, which was okay with me. However after I recieved the loan they began taking {$210.00} every two weeks from my bank account. I attempted at that time to call and try to set up a different payment schedule, because I knew that every two weeks would be too hard for me. I have managed to pay every month until now, I simply can not afford it anymore. I called again today to try to work something out where I could pay once a month. 

They refuse to offer any other options and when I call to speak with a collector they tell me that i CAN NOT speak with a manager or anyone above them. They are rude and threatening and bullying. How is it possible that there is no manager or anyone at all to speak with? I am not trying to get out of repayment, I am simply trying to figure out a schedule that works so that I'm not constantly going negative and in turn getting charged over and over by my bank. I cant live like this anymore it is destroying my life. 

Also, I have been paying this every two weeks since XX/XX/XXXX and not one of my payments has gone toward my balance, they are only going toward interest. Is this even legal? This was only a XXXX loan and they are making me pay back XXXX!! Is this legal? 

When I spoke to the woman today I asked why this doesnt show up on my credit report because it makes it look like scam and she said 'you should be happy its not on your credit report ''. I have now read many complaints online saying that this loan is a scam and that the APR rates are illegal. I don't know what to do and I am looking for help to find a solution. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I checked my Credit Report through " XXXX Credit Scorecard. '' My score shows me receiving a score of XXXX. When I click on " What's Hurting '' my score, it shows that there is a " Presence of derogatory public record or collection. '' Without seeing exactly what that is ... I am pretty sure it was from a company called " Debt Recovery Solutions '' in which I was contacted several years ago on an alleged payment I refused to pay. After dealing with this for two years, the company finally sent me a letter stating, " our office has contacted the major credit reporting agencies and has instructed them to delete any update we have placed on your credit profile. Please accept our apology for this clerical error. If you have any further concerns, please feel free to contact the undersigned directly. '' The Credit Report says that a " paid collection will remain on your credit report for 7-10 years. '' Since there was a mistake made on " Debt Recovery Solutions , LLC ''  and that was later confirmed, why does it still show up on my Credit Report? Could you please help me resolve this as soon as possible?
Product: Debt collection

I am writing to dispute the bankruptcy appearing on my credit report. It has come to my attention that this bankruptcy entry is inaccurate and unjustified. I demand its immediate deletion from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I leased a XXXX XXXX through Ally Financial and returned the car to a dealership on XXXX XXXX, 2016. I was surprised to receive an invoice for three excess wear items on XX/XX/XXXX. I called the phone number listed and was told someone would get back with me. I did not receive a message back from the new department until XX/XX/XXXX. I called back several times and left messages but did not receive a call back. I again called the general number and was given another number to try. On XX/XX/XXXX I spoke with XXXX who informed me that the vehicle must be sold at auction before anyone could have a further conversation around how to resolve our dispute. She stated these matters are not handled with her department. She asked if I had seen the photo 's from the inspector ( which I had and saw no evidence of damage ). she then pulled up the file herself and noted she could not see anything as " there must have been a glare ''. XXXX asked about the previous repair noted in the detail and I explained there had been no previous repair or need. I asked her what the process would be from this point and she said once the vehicle was sold at auction these charges will be handled by the asset recovery center. 
I was eventually contacted by the asset recovery center and contested these charges. They got back with me eventually and removed the bed liner item related to " previous repair '' but said the other two would stand. I explained that I did not see adequate evidence to support their claim. What followed was literally a year of constant phone calls to my home where the callers had no interest in discussing the legitimacy of the debt. I corresponded with Ally on XX/XX/XXXX after receiving a NOTICE OF INTENT TO REPORT NEGATIVE CREDIT INFORMATION but they ultimately turned my account over to collection with XXXX XXXX. I spoke with XXXX and told them I did not consider the debt to be legitimate and responded to the XXXX notice with a note and a copy of my Ally correspondence. XXXX charged off the debt and reported it to the credit monitoring agency which resulted in a significant drop in my credit score.

I never received adequate evidence to support excess wear. I am XXXX years old and have leased many vehicles and never had an issue in the past. I do not understand why they would not discuss the matter until after selling the evidence. I was told the third party inspection service is not paid on commission but this certainly has me wondering about that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of XXXX XXXX and the items I have disputed have not been deleted per the Fair Credit Reporting Act for Human Trafficking Victims. I have had success with XXXX, but both XXXX and Experian are receiving my disputes and updating them as accurate even though I have furnished the court documentation from my attorney proving that these items occurred while under duress. Experian has no human being that you can speak with and the phone lines are a continuum of being rerouted to offices that never answer. XXXX has a dispute center on their website which does not work. After calling XXXX, I was told to put my personal information ( picture of my ID and my Social Security Cards AND documentation of my sealed XXXX XXXX record in the US MAIL and send it to a XXXX XXXX and wait for them to contact me ). This response was damaging to my spirit and I feel victimized all over again. I have fought to regain my life, seal criminal and court records because of the abuse, coercion and fraud that I faced as a victim of XXXX XXXX. The thought of having my personal information exposed just to clear these items from my credit report is re-traumatizing. XXXX has removed the Public Record of the Bankruptcy I was forced into by my XXXX  and the student loans I was forced to take by my XXXX. I can not get the other bureaus ( XXXX and Experian ) to comply. The Rule requires consumer reporting agencies to tailor these requirements to the needs of victims of XXXX, by using, for example, confirmation questions a victim of XXXX could easily answer to prove their identity and other non-documentary means.
Product: Payday loan, title loan, or personal loan

We have attempted to access our loan documents multiple times. They havent been available to download, our online portal says there are no documents available each time we try. 
We logged in and our balance unexpectedly jumped from XXXX to XXXX over night. 
We called and they blamed the jump on a potential technical difficulty. 
And blamed our inability to access loan documents on a technical difficulty as well. 

When voicing how concerning it was that a technical difficulty is changing our loan balance over night like that they said we are being charged aprox. 10-11 dollars in interest A DAY. 
Something we didnt even fathom was possible! 

But those pesky technical difficulties are what they're hiding behind.
Product: Mortgage

My loan was transferred from XXXX XXXX to Valon Mortgage XXXX months ago.. 
From the very beginning their customer service, accounts receivables processes and response to me has been horrible. 

They sent an e-mail that my complaints have been escalated but I have heard nothing. 
They moved their offices and told no one ... My first payment took over 3 1/2 weeks to post. 
Because of their shoddy receivables, I sent a written check to their new address over 9 days ago and it still has not posted! 

I am hoping that this complaint reaches the top management at Valon. 
I recommend that any other customers dealing with this horrible company submit complaints and hopefully they are driven out of the mortgage business
Product: Debt collection

I have continued to request for validation and verification of the alleged debt but to know avail. I received a called yesterday from XXXX, and XXXX, XXXX ( XXXX ) XXXX, called me a XXXX and a XXXX XXXX on the phone. I hereby request that you investigate this company. The debt is not mind and i have never received any notice from this company.
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. 

Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 am writing to file a complaint against equifax credit reporting agency for pursuing collection activities without a permissible purpose as outlined in the Fair Credit Reporting Act. Specifically, I believe that your agency has violated my rights by attempting to collect a debt that is not mine and by continuing to contact me despite my requests for verification of the debt. 

As you are aware, under the Fair Credit Reporting Act, collection agencies are only permitted to pursue debt collection activities if they have a permissible purpose, which includes situations where the debt is owed by the consumer or where the consumer has given their explicit permission for the agency to pursue collection. However, in my case, I have repeatedly informed your agency that I do not owe the debt in question and have requested that you provide me with verification of the debt. 

Despite my requests, your agency has continued to contact me in an attempt to collect the debt, which is both harassing and a violation of my rights under the Fair Credit Reporting Act. Furthermore, I believe that your agency has also failed to provide me with the required disclosures about my rights under the law, including the right to dispute the debt and the right to request validation of the debt. 

In light of these violations, I am requesting that your agency immediately cease all collection activities related to the alleged debt and that you provide me with written confirmation that you have done so. I also request that you provide me with verification of the debt in question, including information about the original creditor, the amount owed, and any other relevant details. 

If your agency fails to comply with these requests, I will be forced to pursue legal action to protect my rights under the Fair Credit Reporting Act. I trust that you will take prompt and appropriate action to resolve this matter and ensure that your agency complies with all applicable laws and regulations.
Product: Mortgage

On XXXX XXXX my Husband and I gave {$2700.00} Dollar as earnest moneyto purchase a new house. Property price {$400000.00}. Lot Premium {$18000.00}. 
we wanted a Va loan.Va allow you {$410.00} we stated several time that wewould like to pay any thing over XXXX along with our up grade out ofpocket. our upgrade came to {$48000.00}. we gave {$5400.00} at the show room. 
we were told that we would close on XXXX XXXX that did happen. we were homeless for XXXX days calling every day we had to put our things in storage and stay in hotel costing us more money. after being with out home and no place to go now the docs are ready .we go to sign the docs and that our loan has been finance for XXXX this is after they had me to wire escrow {$70000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is falsely reporting information on 2 student loan accounts that have been dismissed via a class action law suit against the XXXX XXXX XXXX XXXX XXXX which was recently won by Plaintiffs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Checking or savings account

Capital One accepted my direct deposit and isnt giving it to me. I tried to call them and their system keep hanging up on me. I have bills to pay and they stole my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped from XXXX to XXXX and there hasnt been any changes on my credit report for over a year. 

The last negative item was placed on my report 2 years ago for 30 day late. 

I would like to know what changed in their scoring systems for my score to drop 80 points with no changes on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Do Not recognize this Inquiry from this company and have not given permission for this company to have access to my credit Report.
Product: Mortgage

I have a 15 year fixed mortgage with Santander Bank. I paid off the full balance on XX/XX/XXXXbut the XXXX tax document of XX/XX/XXXX never arrived. I called Santander bank and was transferred to the new servicer. The new servicer said that they took over in XX/XX/XXXX and could not find my information based on provided loan number, name and property address. No help provided despite the follow up.
Product: Credit card or prepaid card

Comenity agrees with this history of events, but says that " policy '' prevents them from removing the fraudulent fees from my account. 

In XX/XX/XXXX I placed an order from XXXX XXXX and paid with my XXXX XXXX / Comenity card. The order was never delivered. I assumed that it had been cancelled, which turned out to be a mistake. I didn't think about it again until XX/XX/XXXX when I got a call from Comenity collections department asking for payment plus late fees. I spoke with both XXXX XXXX and Comenity customer service several times, including one conversation with both of them together. It turns out that XXXX XXXX issued a gift card instead of a refund, and mailed it to a defunct address. 

On / about XX/XX/XXXX, XXXX XXXX canceled the gift card and tried to credit my card account at Comenity. Comenity 's response was that my account was locked and therefore not eligible for a credit. 

XXXX XXXX offered a workaround : they would issue my credit to a different credit card, I would use that refund to pay Comenity, and Comenity would remove the late fees from the account. I received the refund to a 3rd party credit card on XX/XX/XXXX and paid Comenity on XX/XX/XXXX. I was told the late fees would be removed and didn't think about it again. 

Then in late XXXX I received another call from Comenity collections. They had continued to accrue late fees and finance charges. I submitted a dispute at that time, and fees were paused until resolution. They also credited two of the four late fees that had accrued, which was the max they were allowed to credit by policy. 

Comenity claims they sent a written response to my dispute, requesting more information. However I never received a written response and there is no message in my Secure Message Center online. Instead, I got another call from collections in XXXX. Comenity had closed my dispute and started accruing fees again in XXXX. 

( Almost ) every customer service agent I've talked to has been friendly and attempted to be helpful. But now, when they review the history in their system, they ask me to prove that I never received the order. Which is of course impossible, especially 10 months later when XXXX has already wiped the tracking information. They actually suggested that if I have a video doorbell, I could review footage and show that the package was never delivered. I don't have a video doorbell, and that's ridiculous anyway. 

In XXXX, I was able to speak to a Senior Account Specialist named XXXX, who refused to give a last name. She said that it was impossible that my account could have been locked in a way that made XXXX XXXX unable to issue a credit. All of my calls with customer service are surely recorded and can be reviewed for accuracy. XXXX also told me that even if I'm 100 % correct, my account is not eligible to credit any more late fees, because two have already been credited this year.

So now Comenity policy requires that they continue to charge late fees and finance charges, even though they have admitted that they should not, three times over. What is fraud, if not charging fees for an order that was never delivered?
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I noticed some inquiries that do not belong to me. 

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

I got an alert from XXXX and Equifax and XXXX that my account is 60 days late which is not correct I brought my account current as of XX/XX/XXXX so why am I being reported 60 days late. I called the number on the back of the card and got the run around. I made a payment of XXXX dollars on XX/XX/XXXX then I made a payment of XXXX dollars on XX/XX/XXXX which brought it current then XXXX XXXX XXXX   reports me 60 days delinquent on XX/XX/XXXX which is incorrect it should be reporting current.
Product: Credit reporting or other personal consumer reports

this account was supposed to be removed with all negative information and payment history when i file for bankruptcy, but it never was I disputed this account with the credit bureaus several times with supporting documents, but the bank keep send it back as accurate that's why I'm disputing it here to finally get it of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS ARE BANKRUPTCIES THAT HAS BEEN DISMISSED. PLEASE REMOVE THOSE ACCOUNTS FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. ATTACHED ARE FORMS SHOWING PROOF OF THOSE DISMISSED ACCOUNTS
Product: Mortgage

Every month in 2020 select portfolio servicing has shown my mortgage payment 30 days past due. This is not correct, every month in 2020 I paid my mortgage. XXXX - XX/XX/2020 my payment was XXXX but them changed to a higher payment of XXXX for the rest of the year and from XXXX - XXXX I paid the higher payment each and every month. I have tried to get them to change this and they will not. This is really affecting my credit report. We have tried to refinance with another mortgage company but because of the false reporting on our credit report, no company will work with us.
Product: Debt collection

My credit report has inaccuracies involving unauthorized accountsplease take steps to delete and block them promptly.
Product: Money transfer, virtual currency, or money service

I'm talking about cash app. They close my account telling me that I didn't follow some type of rule they had and told me that if I wanted my account back I would have to appeal it so I did that and then they tell me that they Banned Me from using cash at and I'm not getting my account back but they can't tell me what rule of theirs I broke. I have been with cash app for about I don't know five five or six years. I also had disputes with them about stuff that I had bought online that I didn't receive and they wouldn't give me my money back and since I purchased it online I'm getting in touch with the mercher was hard and them telling me that they mailed it off while I didn't receive it me talking to cash app about like well I didn't get my item can I get my money back and them telling me like no we don't do that we don't get refunds we don't do any of that so I'll I'm out my money and I'm out my purchase what I purchase and I don't know like I've never ever gotten anything resolved with them and then they just close my account for no reason and then they banned me where I can't even make a cash app again so if I was do any money there's no way that I will get it back because for what I don't have that phone number nor email anymore and for two I can't get a cash app because they Banned Me so I am making my complaint because I am entitled to something and there's no way for me to receive it and then I don't understand why my account was closed and they can't give me a reason as to why they closed it they just said I didn't follow their rules but I don't know what rule I didn't follow because I've had my I had my cash at for a while I like but they can't tell me why they closed it and then when I tried to make another account they said when I put my social in that I was banned from using cash app so go figure I don't know why he's happy and this happened like a year ago. XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, California. XXXX This is the information that was used when I had cashapp.
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I been XXXX since XXXX XXXX and yet i cant get forgiveness thts sixteen years and im still XXXX but yet i still have student loan dept.No one will help me get it discharged i even filed bankruptcy in XXXX i asked the lawyer to include it but apparently he didnt.