23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a high interest installment loan through Rise. I pay {$220.00} every 2 weeks with {$16.00} of that going to the principal. I had a medical procedure done that kept me out of work for just a little more than a month. I did not receive a paycheck during that time. This has put me a few payments behind on my loan as they come due every 2 weeks. I am trying to get this all worked out so I can catch up with them over time as I just started back to work today. My issue is when I came back today I was told by my coworkers that this number called ( XXXX ) so many times a day that they turned off the phone in our office. I had spoke to them before and told them this was my work number and they are not to call me here. I started looking through the missed call option on our XXXX phone at work and counted at least XXXX calls from them over this weekend alone. This is unacceptable and causing big problems at work. I understand I owe them and I am behind on some payments. I am willing to work something out with them but calling my work to harass me and doing multiple attempt debits to my bank account that has no money in it racking up a ton of fees. This is not helping their cause as I have to pay my bank now instead of putting that money towards catching up on my loan. They tried withdrawing twice within a few minutes during XXXX attempt which racked up an instant {$70.00} more to my bank account fees like the money was going to instantly appear in there after the first attempt a few minutes earlier. I am trying to get a debt consolidation loan to just pay them off. I am contacting them today to see what we can do to catch up in a reasonable time and matter as I have just started back to work. This is my issue with them.
Product: Vehicle loan or lease

XXXX XXXX a XXXX year old man thought that he was purchasing a Brand New XXXX in XXXX 2014, he agreed to pay approximately {$30000.00} for the car. XXXX XXXX did not realize this was a lease and grossly over-paid. Once the papers were read we explained to him that it was a lease not a sale and the price of the car was {$22000.00} and not XXXX he paid. XXXX XXXX requested the Lease Agreement for the car and was sent a illegible agreement which was not included in his original paperwork. It appears that the Dealership changed hands and now is controlled by someone new, furthermore, XXXX XXXX was sent to a collection Agency which has demanded an additional XXXX on a car not worth more than XXXX and XXXX received nearly 40K. The Dealer contacted the customer and said we can sell it for more than you can, which did not happen. After reading the contract with a magnifying glass it is in contradiction with the demand for the additional XXXX the contract says that the amount collected after the completion of the lease is no more than XXXX. This is Elder Abuse in the worse way and XXXX should be held to a higher standard beginning with including the contract up front and a clear explanation of the lease. The dealer also included a Contract Cancellation Option Agreement which clearly says for " Used Motor Vehicle Purchases Only '' XXXX XXXX car was supposedly " Brand New '' So it is unclear why this document was included.
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. And In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX / amount {$1700.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX amount {$3500.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$4300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2800.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$230.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX /amount {$3000.00} Account name : XXXXXXXX XXXX XXXXXXXX /amount XXXX XXXXXXXX PAID OFF XXXX XXXXk ( XXXX XXXX  ) /amount {$720.00} =PAID OFF XXXX, Transunion, and XXXX have 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

Experian credit system will NOT unfreeze my account although it says it is online. I cant get a XXXX acct because of this for months. After trying for months Experian DOES NOT have a way to get out of their support tree and talk to a representative to fix this problem. Im stuck and frustrated by this companies lack of support. How can I get help?????
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem started with XXXX  XXXX XXXX selling or transferring my account held with them to account to Specialized Loan Service ( SLS ) in XX/XX/XXXX, after it gave me a 3 month grace period for payment because of a government program for hurricane Irmas relief, by which I was affected. This happened on XX/XX/XXXX which was the only month I didnt paid the mortgage to XXXX  XXXX XXXX, by then I had planned to pay that missing month splitting the amount with the payments of XXXX, XXXX and XX/XX/XXXX. While this happened XXXX  called me in XX/XX/XXXX after I had made the first payment in XXXX and offered me another plan to extend the grace period until XX/XX/XXXX and deferred the payments missing to the end of the loan. While this happened I found out by XX/XX/XXXX that XXXX transferred or sold the loan to be managed by SLS, By then SLS began to go after me for the payments missing as if there was never a program approved at the time, since they did not approved anything nor were they told by XXXX of this agreement, nor did they ever provide such to SLS the paper dodging had begun. It was then that I explained the situation to SLS when we started negotiations to fix the confusion created by XXXX and they offered to have a loan modification to help me with the situation as their only option. Doing this loan modification, SLS reported the payments done during the trial period as if they were never made as shown in the credit report for XXXX and last XX/XX/XXXX in which no payment was required when the loan modification was approved beginning the regular payments on XX/XX/XXXX. This is not counting all the time wasted by SLS sending me 3 different contracts to be sign after that on the approval, since the previous two had errors.

During this time, I was making all payments as required of me, but they were not being reported. Each missed payment reporting onto my consumer credit files, and damaging my creditworthiness with them and all potential future lenders. The trail period with SLS was reported as missing payments and this is not the case. I feel I have been abused in this process and given the run around, in the meantime my credit files have me listed in a derogatory manner on payment history and it affects me during this time of Covid19 to qualify for loans which I need. I have always made my payments on time and have always lived up to my obligations. I ask this agency to intervene on my behalf and offer the mediation which I need to bring this matter to the appropriate agency/person so that this is resolved. 
I am asking for a resolution in real terms, and have these multiple late history, which is factually inaccurate and a result of error or negligence either by XXXX XXXX XXXX or Specialized Loan Service. This is causing me problems and I am asking for more than the standard reply from both  XXXX and SLS which has to date done nothing to correct the matter which they created.
Product: Credit reporting

XXXX F XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX A XXXX XXXX # MEDICAL XXXX # XXXX XXXX F XXXX DOB XXXX XXXX XXXX, FL XXXX
Product: Debt collection

To whom it may concern : I have several collection accounts on my file from a collection agency named IC SYSTEM the accounts are as follows ( ). Please be advised that I am disputing these collections due to the fact that IC SYSTEM has not responded to my requests for debt validation within the required 30 days. I sent IC System letters requesting debt validation via certified mail using the following receipt numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. These letters were delivered on XX/XX/18, it is now XX/XX/18 and I have received XXXX communication in response to my validation request. I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with proper debt validation from IC System to collect these debts. Your immediate response is greatly appreciated.
Product: Debt collection

The last few months I have gotten calls from this number XXXX, Viking Client Services, saying they are a debt collector and to call this number XXXX. The last one was XX/XX/2018 at XXXX XXXX. I have ignored answering these calls and let them go to voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian and let them aware that I was a victim of fraud and that I did not authorize XXXX XXXX XXXX XXXX XXXX to access my credit profile. Experian representative told me that she could not delete the inquiry even though I let her aware that I did not authorize XXXX XXXX XXXX XXXX XXXX to access my credit profile.
Product: Payday loan, title loan, or personal loan

I have already filed a complaint with the CFPB because of fraud duplicate payments that was being deducted from my account. Now Im being told that my loan is past due because automatic payments were stopped because i was behind 5 payments. I have proof from my account that all payments were made on time. A confirmation email that automatic payments were finally setup the correct way. Now because of their error my loan is past due 5 payments. I need someone to contact me or I will have attorney reach out to this company for business practices.
Product: Payday loan, title loan, or personal loan

I applied for an online installment loan. Was approved for up to {$1500.00} so it asks how much I pick {$1500.00}. Just trying to find out what my monthly payment would be what my interest rate would be and click continue without showing me any of that information it automatically tells me that the money has been funded still no information on monthly payment or interest. I'm immediately on XX/XX/XXXX right after it said it was funded I immediately contacted them telling them that I was not interested that I was just trying to get my quote for my interest rate and monthly payments. And now they charge me {$170.00} twice a month when I can't afford twice a month payment I'm on XXXX which is noted on the application the interest rate is astronomical but I still don't even know what it is because they never sent me that information or gave me an opportunity to review it.. I think they should have to lower my interest rate to what my States legal limit is because like I said I don't know what rate they gave me but it is astronomically High and should be illegal especially to not disclose it to somebody before they submit because even when I did click an area that might tell me what it would be it only gave me examples not what mine specifically would be. I think they should have to knock my interest rate down to at least 26 % that my state would allow. And also make my payments once a month instead of twice a month. They should also have to stop reporting it to my credit report because I did not agree on this loan overall they should just completely wipe the loan out because I never agreed on their terms they never showed me the terms I have a copy of their email responding to me that it had all been canceled and that I would not be charged anything I have that email
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$3500.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Student loan

I have been working full-time for the XXXX XXXX XXXX since XX/XX/XXXX as a young single mother. Due to my low pay, I went back to school hoping to better my situation and took out more loans to do so. I started school in XXXX and had already had some loans from when I was in college in the late XXXX XXXX. While working full-time, I also went to school full-time and obtained XXXX degrees. First an AS. At the time of graduation from my 1st degree, I was pregnant with my second child. Then, I went back to school for my 2nd degree. XXXX  My issue lies in that every time I called XXXX XXXX ( now Navient ) when I couldn't make my student loan payments, they would suggest a hardship forbearance or some type of deferment. These had to be documented so they saw my 'XXXX XXXX XXXX  XXXX paystubs with my state 's seal and not once suggested or offered me IDR until years later. Nor did they tell me this time wouldn't count towards PSLF, a program that really motivated me to stay working in public service as I didn't stand much of a chance of being able to pay them off. I had sent a number of applications for PSLF over the years but I never heard back until XXXX when my loans were finally transferred to XXXX XXXX from Navient. I had no idea until then that there are literal years missing from my payment counts. Despite working for nearly 17 years for the XXXX XXXX XXXX, the last count showed I had just 44 eligible payments suggesting I'd need to work another 7 MORE years in public service to have my loans forgiven. That's about when I'd be due to retire... ( I'll have been working for the state for 23 years at that point ) I don't see how that's fair. I was a victim of XXXX XXXX just like everyone else. Sadly the waiver is not even addressing people like me who have to pay another 7 years for their mess. Please help. When the XXXX  was offered to me, I was eligible for {$0.00} XXXX which is the real crime. All of those years ' {$0.00} payments would have counted if they weren't trying to balloon my balance to collect a higher payment from the federal government for servicing my loans.
Product: Credit card or prepaid card

yes I went on to XXXX XXXX andsaw i had a few capital one credit cards. I contacted capital one they stated i was cleared before of an account but still showed three accounts under my name and SS number to this day which has been over a year they have not cleared me of these fraud accounts.
Product: Debt collection

I was released from a lease which had three lessee 's and tried to settle but the lease holder XXXX XXXX XXXX XXXX in  XXXX Florida would not accept my portion of the lease, due to another lessee being delinquent. They refuse my check several times, and then agreed to write me off the lease. They later sent turned over the collection to Hunter Warfiield XXXX XXXX XXXX XXXX XXXX FL, XXXX. My account number is XXXX they have a claim for XXXX. I again contacted them to settle, they refused to settle. I would like to settle, but they released me from the lease only to notify I owned XXXX. I do not owe this amount. I supplied documents they signed releasing me form the lease after they refused to accept my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and Experian still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) " through the physical validation of the original signed consumer contract '' to provide me lawful proof of verification for several accounts that have been reported on my credit report. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to validate in order to protect my rights as a consumer. Since it has been well passed 30 days allotted them as of XX/XX/2018 I am insisting that he CFPB forces XXXX XXXX, XXXX, and Experian to legally validate said debts or delete them IMMEDIATELY! Certified letters were mailed out on XX/XX/2018 and delivery of said letters were confirmed XX/XX/2018. 

Accounts : -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX/XXXX -XXXX -XXXX -XXXX ( Been over 7 years ) -XXXX -XXXX  -XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX XXXX ( Collection Account-XXXX XXXX only updated account as closed and never supplied lawful validation which was requested )
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Debt Collection Practices Act ( FDCPA ) Violations The Justice Department today announced that XXXX XXXX XXXX, XXXX. ( XXXX XXXX ) has agreed to pay over {$2.00} million to resolve allegations that it violated the Servicemembers Civil Relief Act ( SCRA ) by failing to refund a type of up-front lease payment to 492 servicemembers who lawfully terminated their motor vehicle leases early. 

A XXXX XXXX XXXX  access code was used to steal the personal information of roughly 5,000 consumers, leading the bank to conduct a full-scale inquiry into the data breach
Product: Mortgage

My husband and I applied for a jumbo mortgage with Bank of the West. We worked closely with the mortgage loan officer over a period of five months ( XX/XX/XXXX - XX/XX/2016 ) discussing our options. After Bank of the West reviewed our file, the mortgage loan officer told us that we were not approved for a jumbo mortgage, but that we would be able to procure a smaller ( {$470000.00} ) mortgage AND an additional {$300000.00} line of credit in lieu of the jumbo mortgage. She reassured us over and over that this product combination would work for us and that we would close on the line of credit within a few days of closing on the mortgage ; however, she was insistent that we had to close on the mortgage first. After we closed on the mortgage with Bank of the West, the line of credit stalled. We asked for answers on its progress for over a month before ultimately being denied the line of credit. We feel that we were misled into purchasing Bank of the West 's mortgage loan product under the assumption that approval for a line of credit was imminent. Had we known before closing on the mortgage that we would be denied the line of credit, we would not have closed on the mortgage. Instead, we would have continued shopping for a mortgage/line of credit product that better suited our needs. We feel that Bank of the West was only in the game to secure our mortgage and once that was done, the door was slammed in our face. Very, very misleading and frustrating. Now we are stuck with a mortgage that is only one part of what we were promised. We also feel that the underwriters at Bank of the West have differing and waivering standards among themselves that are not consistently applied or communicated with the mortgage loan officers and the customers. In the underwriter 's explanation for declining the line of credit, not all of the reasons given were sound and logical, and the explanation added layers of risk that were based on assumptions that could have been addressed if the underwriters had asked for clarification.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$270.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$620.00} U.S. Bankruptcy Court - XXXX XXXX XXXX - XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I had a debt with a creditor. The debt was settled through a court action and the plaintiff agreed to seal the record and not report it after a court order requiring such. plaintiff violated the agreement and sold the title to NATIONAL CREDIT SYSTEMS and now in violation of 15 USC 1692a ( 4 ) debt collector has made false claims as a creditor, made an impermissible pull of my credit and then used my private information for profit in order to enrich themselves unjustly at my expense with neither my consent nor expressed aceptance. XXXX  LLC is a co conspirator in the caper as both companies are guilty of identity theft and consumer fraud based on their destroying my rights to privacy, my right to contract, my right to be secure in person and property and my right to be free of the fraud, theft and coercion of third party meddlers pursuant to their willful and negligent violations of 720 ILCS 5/16-30 ( a ) and 815 ILCS 505/1 ET SEQ. I have made several requests to both companies to produce lawful evidence of my being subject to any indebtedness and both companies have chosen to ignore my requests and acquiesce to the aforementioned claims ... I want to initiate a lawsuit as these companies are making it impossible to get housing and winter is here. please find the court documents and correspondence between myself.
Product: Payday loan, title loan, personal loan, or advance loan

I am a California resident. Three Sticks Lending issued me a {$2800.00} loan with an APR of 523.3 %. This is illegal under the California Financing Law, which limits rates to 36 % for loans over {$2500.00}. They are attempting to avoid state law using tribal affiliation, which courts have ruled does not protect predatory lending targeting California residents. Ive revoked ACH and requested cancellation, and they are still demanding repayment.