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

I am an XXXX XXXX military member ( XXXX XXXX ), I entered XXXX XXXX in XX/XX/XXXX and am currently stationed at XXXX XXXX XXXX in South Carolina. 

I was in need of furniture for my apartment and visited XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, SC XXXX - XXXX ) in XX/XX/XXXX. I worked with a female sales associate at the store. During our time together, she asked about my profession and I verbally told her that I was in the XXXX XXXX. After selecting my new furniture, the sales associate set me up on a computer at the store to apply for financing. On this online application, it also asked about employment, monthly income and the pay schedule. On the application I documented that I was in the XXXX XXXX and received pay on the XXXX and XXXX. 

On XXXX XX/XX/XXXX, I was approved for a loan of {$2800.00} with an APR of 145.09 %. The furniture was delivered to my home on XXXX XX/XX/XXXX and my first payment ( {$180.00} ) was paid on XXXX XX/XX/XXXX. My payment schedule is {$180.00} twice a month. The loan is through American First Finance Inc ( XXXX XXXX XXXX, XXXX, TX XXXX - XXXX ). 

After purchasing the furniture, my supervisor reviewed the contract with me. It was then that I realized the severity of the 145.09 % interest rate. Including the finance charge ( {$5900.00} ) and the amount financed ( {$2800.00} ), the total amount of payments is  {$8700.00}. 

My supervisor referred me to work with a Financial Counselor at the XXXX and XXXX XXXX XXXX on base. She informed me of the violation of the Military Lending Act by American First Finance Inc. The approved APR should not have been above 36 % because I am an XXXX XXXX military member. I informed both XXXX XXXX and American First Finance Inc of my status as an XXXX XXXX member. 

I have submitted a written letter of notification to American First Finance Inc of this violation.
Product: Debt collection

First the charge has been disputed several times on credit karma in the last XXXX months so I became serious about fixing my credit so I called XXXX who the alleged original debt was with the information they had on file did not match my personal information and I asked for them to remove it. Nothing was done the last time speaking with them was XXXX XXXX, 2022. Now they have sold my information to a collections agency for about a year now and my ignorance to the law prior have just ignored them so I started to notice they were the XXXX reporting to the credit bureaus and Ive contacted them via mail XXXX XXXX2022 no response. Ive since then sent in the violations of my rights requesting compensation before I sue or move forward in reporting to you guys.
Product: Credit reporting or other personal consumer reports

This account is under Alitigation the balance is incorrect & i need it close & also remove from my credit reportin accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, personal loan, or advance loan

I tried to make a larger payment than minimum installment to pay less interest. There is only the option online to make the installment payment or pay entire balance. There is no option to make larger payments to decrease interest paid. They are trying to force you to pay more interest. I called customer service and was told there is no option to pay more. This kind of loan should be illegal in the United States. This is obviously done because many customers may not be able to make entire payment.
Product: Debt collection

I received a copy of my credit report while applying for a home and found that National Credit Adjusters had thrown a debt on my credit profile without any notice in the mail or phone call. This is the ONLY debt on my credit file and it is stopping me from obtaining a stable place to stay for my family. I disputed the debt through the credit bureaus and asked the debt to be validated by sending me a copy of an ORIGINAL CONTRACT with ORIGINAL SIGNATURE, PAYMENT HISTORY etc. I received a response rather quickly saying Debt Verified I feel like the issue was not even looked into on top of that I have yet to receive any validation. I have NEVER applied for a loan with National Credit Adjusters or anyone else please help me resolve this issue.
Product: Mortgage

LOAN CARE XX/XX/XXXX sent to me on a new loan account XXXX with at top right loan # XXXX and # XXXX then added XXXX in front of that # XXXX from XX/XX/XXXX to XX/XX/XXXX i made payments on the 5 th of months XX/XX/XXXX to XX/XX/XXXX never late XX/XX/XXXX to XX/XX/XXXX when i saw the XX/XX/XXXX payment sent back in mmy account as a loan care refund XX/XX/XXXX .I tried all of the numbers no one could give me any answers.I called the corporate office ( attached is my phone bill ) stayed on hold twice XXXX minutes 2nd time XXXX minutes. After many transfers i was able to get their reason.See the loan care notes from the file i insisted on.They claimed they sent letter to have me send payments to a different address.I was not at home in XXXX OR XXXX until i did receive a notice of default I had set up my bank acct bill pay automatic.When the refund came in i was in shock.Not even a phone call.I made another payment after XXXX PAYMENT XXXX POSTED OK XXXX XXXX XXXX I SET UP A BILL PAY FROM MY ACCT AT SAME BANK WITH DIFFERENT BANK ACCOUNT NUMBER to be just for this payment ..somehow i did it so it was making double payment..Finally after so many calls the new servicer XXXX XXXX XXXX FINALLY IN XX/XX/XXXX gave me a correct loan # and where to pay .DOUBLE PAYMENTS FROM LOAN CARE 20 days after the double payments redeposited into my account..Loan care should have forwarded payment then send me a letter.NEVER HAPPENED THAT WAY. I ALSO RECEIVED from Loan care a letter claiming i had no insurance for my CONDOMINIUM TELLING ME HOW EXPENSIVE IT WOULD BE.Again hours on the phone.They had a binder from my agent in escrow that closed XX/XX/XXXX with the TRUE INFORMATION THIS IS NO CONDO I HAVE HAD SAME INSURANCE COMPANY SINCE XXXX .Been owner sice XXXX .Single family residential fourplex .conforming in a neighborhood of the same kind or property. LOAN CARE REFUSED TO SEND ME CORRECTED TAX INFO WITH THE THREE PAYMENTS MADE IN XXXX. I have a copy to put with this.Showing proof of all that i just said .Loan care refused to give me any of my information .Loan Care refused to correct the transfer of payments or correct the tax mortgage % statement.Loan Care i just ran my credit which is NO LATE PAYMENTS ANYWHERE ON MY CREDIT loan care put three late payment XXXX 1 in XX/XX/XXXX when i was paying double because of the wrong information and four different loan numbers all for XXXX XXXX .Loan Care does this to make it look like you are behind in payments ..Refuse to fix the errors they make.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have been caught in a LIE and using illegal tactics to collect information! As you can see from the attached documents CLEARLY prove that you have been breaking the LAW! All previous letters have been dated, recorded and forwarded to the CFPB. Please save yourself the embarrassment and delete the account disputed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section XXXX, and pursue legal action. 

Attached Supporting Documentation : [ " The U.S. Bankruptcy Court, XXXX XXXX of Texas does NOT report information to any credit reporting agency. And do not supply credit bureaus/CRA 's with verification of bankruptcies or public records. '' ALSO attached is a response from XXXX XXXX stating that the bankruptcy mentioned has been removed from my consumer profile ( highlighted in attached response ) If XXXX has it removed then why are you still reporting it on my consumer report ]
Product: Credit reporting or other personal consumer reports

I told Equifax these inquiries were fraudulent and the continued to report inaccurate information on consumer report. I sent them a FTC Fraud Report but they ignored consumer. Equifax refused to remove inaccurate and fraudulent information from consumer report. 
Equifax commission file number 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 will be filing form 211 treasury omb form to audit consumer account. Equifax is securitizing consumer data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Debt collection

Hunter Warfield continues to try to collect a debt from me that is WELL ABOVE what the amount I actually owe is, almost double the amount actually. They are also not accurately representing the date on the debt. I have repeatedly disputed the information, and they can never seem to produce the requested information but continues to blatantly lie on my credit report. Nowhere on my lease does it indicate they are allowed to charge any interest on the debt. They are mailing and calling me with wrong information also. I am willing to work something out with them, but not when they are trying to scam me.
Product: Vehicle loan or lease

The company is reporting XXXX late payment on my consumer report which is damaging to my worthiness. 

Can you please get these late payments removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting

XXXX XXXX XXXX closed my credit card at my request on XXXX, 2014. Experian Credit Bureau refuses to update the information. I closed the account at my request and the other XXXX credit bureaus reflect this. I called XXXX credit and they state they have updated my information with Experian they refuse to update it. I will contact XXXX again. 
I want my report to show that my account has been closed since XXXX 2014 as the other bureaus. Thanks
Product: Credit card

I opened a Lord and Taylor account on XXXX XXXX, 2015. I made an initial purchase in store, and was supposed to receive my card in the mail. Two months went by, and I realized that I never received the card. I called the Capital One/Lord and Taylor credit company and made a payment on the account, which I was assured was the full payment. They would not tell me my account information over the phone, and assured me that I would receive a card in the mail. Once again, this was never received, but since I had paid my account off in full, I figured that it did not matter. I just received my credit report, and it appears this account is over 180 days past due since I made my payment, and I still have not received any information about the account such as the card number or account number. In speaking with a representative over the phone, they told me that there was nothing they could do about it.
Product: Credit card

At the end of XXXX and beginning of XXXX I was victim to someone fraudulently using my credit card on my XXXX account. There were XXXX transactions : XXXX for {$470.00}, XXXX for {$480.00} and XXXX for {$510.00}. These were all associated with XXXX however I have never put this account into my XXXX. I did not make any of these purchases nor have I received any good for these purchases. These vendors are unknown to me and I do not know what they are for. I submitted the paperwork for my dispute on XXXX/XXXX/2015 after reviewing my statement and noticing these fraudulent transactions. I had received a credit on XXXX/XXXX/2015 but on Friday XXXX/XXXX/2015 it was reversed. I received no communications or explanations for this reversal and no one in the customer service line has been able to help me. I have set alerts on my account to email me of any suspicious activity and have cancelled my debit card since I seldom use it anyway. 
on XXXX i received a call back from chase XXXX was advised that they could not help me further and they received enough evidence. If i had any further question to contact XXXX. 
I was given the following XXXX transactions to research. XXXX, XXXX, and XXXX speaking with XXXX I found out the following. 
1. These transactions were not made on my account, my account is XXXXXXXXXXXX and has been open for several years, the transaction were made on an account XXXXXXXXXXXX which was created on XXXX/XXXX/15 the day before the first fraudulent transaction. 
2. The transaction have no associated tracking numbers of any products that have been shipped. 
3. The fraudulent user id noted above of XXXXXXXXXXXX has been suspended for fraudulent activity4. XXXX says they recognize as fraudulent and as such have sent the money back to chase. 
I am left puzzled at this point if XXXX says that the transactions are fraudulent, and the money has been sent back to chase. Why then have the transaction not been reversed on my account.
Product: Debt collection

Adler Wallach Associates Inc. ( AWA Collections ) is operating illegally and in bad faith in attempting to collect a debt that : a. ) they have not proven in writing is mine b. ) exceeds California 's statute of limitations on this type of debt ( breach of contract ). 

Specifically, I contacted AWA Collections today, XX/XX/XXXX, regarding a derogatory item with their information showing up on my credit report. I was told by an AWA collection agent that AWA was collecting debt in the amount of approximately {$2400.00}, including interest, from an XXXX XXXX XXXX that I allegedly cosigned in XXXX. I advised the agent that I have no recollection of cosigning such a document and/or any other document that would obligate me to pay anything. I asked the agent to provide me with a verification of the debt, required by FDCPA sec 809, and she refused to do so.

Furthermore, I advised the AWA agent that, even if I were to have unwittingly cosigned a contract/application/bail bond with XXXX XXXX XXXX in XXXX, over six ( 6 ) years ago, the debt is not enforceable, as it exceeds California 's statute of limitations of four ( 4 ) years to collect such debt, under section 337 of the Californa Code of Civil Procedure regarding written contracts. The AWA agent told me that this is not the case and that they can and will continue collection efforts on the debt. I advised the agent that to continue to do so is illegal. 

Therefore, I informed the agent that I am denying that I owe any amounts because AWA can not prove that I owe anything and, even if they were able to do so, the debt is unenforceable under California law.
Product: Prepaid card

The card declines at any amount even though it has not been used and is not expired.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information that appears in my credit report. Specifically, I am disputing a charge entry for the following account XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information. 
XXXX XXXX,, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX 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
Product: Credit reporting or other personal consumer reports

On XX/XX/, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized accounts on my credit report in which I did not make the charge.
Product: Credit card

CitiCard, Citibank, is retaliating against me by increasing my minimum payment amount because I filed a complaint against the company with the BBB. The company, which has lost {$2800.00} of mine and we 've yet to settle the mishap since XX/XX/XXXX, has representatives calling me every other day telling me to pay {$2500.00} in " minimum payment amount '' before XX/XX/XXXX. I 've already paid the credit card company last week and they are harassing. Representatives, XXXX XXXX, XXXX XXXX, and XXXX, have called me incessantly over the last 3 weeks, harassing me at work and at home, asking me to drop my complaint with the XXXX and CFPB. My card, the Executive Business AA Black Card with Citibank, is supposed to guarantee clients from fraudulent activity. However, the credit card company has already been witholding information regarding " missing funds '' under their care. It has been 5 months now and the company still has no solution to where they have my money. Currently, Citicard and XXXX XXXX are attempting to force me to pay a minimum payment amount of XXXX %, which is unheard of in the industry. I am concerned that Citibank and Citicard 's harassment is going to lead to a negative credit lean against my account and that any large payment amount made to the company will once again " disappear '' and I will be left losing another couple of thousand dollars. In addition to the hard details, representatives are calling me at work and yelling discriminatory language.
Product: Debt collection

XXXX XXXX XXXX  sent CCS a collection for a debt that was less than 30 days old The debt was paid and I was assuming I was paying to like a billing agency I didn't realize it was a collection agency I was paying I spoke to XXXX  they said I owed them money told them to send me something in writing that I could return the payment with they did that apparently that was from CCS which I thought was a billing service I didn't read it and realize that it was a credit reporting agency already paid the debt never heard another word about it all these months ago this was in XXXX haven't heard anything not one iota of word from anybody then I'm going to buy a house and all the sudden now it's showing over my credit report as an unpaid debt and it should have never been there to begin with
Product: Credit reporting or other personal consumer reports

This is not a duplicate request nor filed by a 3rd Party Credit Repair agency. I'm filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S. Code 1681c2 ) that you, EXPERIAN a consumer credit agency block information that is appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounted opened at 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 US DEPT ED opened XXXX XXXX XXXX Account Number : XXXX US DEPT ED opened XXXX XXXX XXXX Account Number : XXXX US DEPT ED opened XXXX XXXX XXXX Account Number : XXXX US DEPT ED opened XXXX XXXX XXXX Account Number : XXXX US DEPT ED opened XXXX XXXX XXXX Account Number : XXXX US DEPT ED XXXX XXXX XXXX Account Number : XXXX US DEPT ED XXXX XXXX XXXX Account Number : XXXX US DEPT ED XXXX XXXX XXXX XXXX Account Number : XXXX these accounts appear to be related to the aforementioned in this dispute. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aformentioned accounts, collections, and or hard inquiries as reported. The aforementioned accounts, collections, and or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reached out to XXXX, Experian XXXX XXXX asking for them to provide me proof of the validity of the XXXX XXXX XXXX accounts on my credit file. 

I requested the copies of the application that was filled out to open these fraudulent accounts. 
to this date XX/XX/XXXX I have not received the requested documents On XX/XX/XXXX I spoke to your representative XXXX at XXXX and was informed that Experian XXXX not have my documents that I sent and most likely have been lost. Then, I asked to speak to a supervisor which I spoke to at XXXX pm named XXXX and she also confirmed that she can not locate the documents sent certified via XXXX with a return signature receipt proving it was delivered and signed for. 

This is very unacceptable that Experian lost my documents and my personal identifying information which can result in additional identity theft causing more hardship with my affairs. 

I have attached the proof that the mail was received and signed for by Experian 's staff. Also, I am attaching my follow up letter to the company sent XX/XX/XXXX