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

I originally took out a Borrow and Grow loan for {$6000.00} with Seed Fi in XXXX where I received {$3000.00} immediately and would receive the other {$3000.00} once I paid the {$6000.00} loan back. In XX/XX/XXXX, I received a letter from Seed Fi saying they sold my loan to XXXX, a debt collection company. XXXX is charging us a fee to make payments. They have no XXXX fee payment options. Additionally, they do not know the balance of my loan when I call. They do not show my savings account portion of my loan on their website. The website says I am 9 days late and have been charged {$130.00} in late fees in less than 30 days of them having my loan. We received a letter that stated auto pay would transfer over from Seed Fi to XXXX and it did not. Their website, XXXX does not look legitimate at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being and I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed.

According to 15 USC 1681 ; I have the right to privacy and I did not give Experian written permission to furnish inaccurate accounts.

Account Name & Number : XXXX XXXX XXXX XXXX 
Account Name & Number : XXXX XXXX XXXX XXXX 
Account Name & Number : XXXX XXXX XXXX XXXX 
Account Name & Number : XXXX XXXX XXXX  ... 
Account Name & Number : XXXX XXXX XXXX 
Account Name & Number : XXXX XXXX # XXXX... 
Account Name & Number : XXXX XXXX # XXXX Account Name & Number : XXXX XXXX XXXX XXXX 
Account Name & Number : XXXX XXXX XXXX XXXX Account Name & Number : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I bought a tv from XXXX. I took it back to XXXX and promised a replacement. My replacement TV never came and my bank refuses to give me a refund for the stolen money,
Product: Credit card or prepaid card

I opened up an American Express Platinum card from American Express over the phone. On the phone call I was promised a promotional reward of XXXX points for signing up if I made {$5000.00} in purchases in the first three months. I signed up for this credit card on XX/XX/2019. I spent the more than {$5000.00} on the card within two months but did not received the promised sign up bonus. 

I called American express to check on the status of the sign up bonus and they told me that after I had signed up they decided to review my account and determined that I would no longer be eligible for a sign up bonus. After contacting them they gave me a case number and said they would review it further as I had been told I would receive the XXXX sign up bonus on the phone. They told me they would email me with a resolution shortly. When I had not heard back after 3 weeks of waiting I contacted them again and they told me that they would not give me the sign up bonus for the credit card because I had previously received sign up bonuses on other American Express cards. 

I have exhausted my options dealing with the company and am disgusted by their bait and switch tactics. They promised me a sign up bonus of a certain amount over the phone and then failed to deliver it when I met the terms of the sign up bonus. They sure didn't have any problem charging me the entire {$550.00} annual fee immediately though! 

I would not have opened the credit card with them if I knew I wasn't going to get a XXXX point sign up bonus. I signed up under that pretense and they changed the conditions after the fact, which seems like a predatory tactic.
Product: Bank account or service

I had been accruing a lot of fees on my account, like several a day. After speaking with numerous managers they agreed to waive MOST of the fees XX/XX/2016. I explained that I wanted to turn overdraft protection off and have my card to decline when there is n't enough funds available on my card. Somehow, during the conversation with the bank representative, I was enrolled into debit card coverage which in turn, created the same issue I was trying to avoid. Just recently I 've been charged with XXXX insufficient funds fees and they are refusing to waive them. This creates so much debt for me and that money I needed to pay bills which is going to put me behind. I 'm not even sure of how to resolve this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXXXXXX XXXX XXXX  and Synchrony Bank " I am opting out of your reporting services. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services.
Product: Mortgage

I contacted via email to NewFed Mortgage company for refinancing my home loan on XX/XX/2020 providing my name, address, estimated house market value, my current outstanding loan amount, and my credit score. They got back to me on XX/XX/2020, stating the interest rate is 3.125 paying {$1500.00} or 3.25 paying XXXX for closing costs. I declined the offer saying my current interest rate is 3.5 % and did not start the application process as I am looking for a much lower interest rate. 

NewFed came back stating if I can share my current mortgage statement, they might be able to check if they can give a better rate. I shared the document, and they came back with 2.75 % for {$1500.00} closing cost for 27 years. I agreed and filled the application. 

On XX/XX/2020, after running the credit score, they come back and give me a rate of 3.125 % with a $ XXXX closing cost. When asked, they told me, sorry,2.75 % was mistakenly quoted to me, so I requested them to remove the credit check from my file as this not what agreed and that I don't want this interest rate from first. Then NewFed rep says he will contact his operations manager to get his removed after talking to the credit bureau agency. He also apologized for the mistake. 

On XX/XX/2020, they come back stating we can not do anything, and my score will be down only 1-3 points, and I got 14 days to shop around, and after 14 days, if I get the lower rate i am looking, it will be considered another check. I told NewFed that I did not agree in the first place for 3.125 %, but NewFed convinced me that it is 2.75 %, and then I filled the application. After applying, they come back with an offer of 3.125 % with a $ XXXX closing cost, and I should consider it. When pushed them to for the rate they agreed, NewFed came and gave me an interest rate of 2.875 % with XXXX closing costs for a 27-year term. So I asked them what the breakup cost and they provided me the details on an email. I agreed to go ahead. 

Today ( XX/XX/2020 ) - I am told the rates are up, and they will give me 3 % the excuse they give me is I did not lock the rate. If I want 2.875 %, I will have to buy the points or wait for the market to come down next week. 

They wasted 3 days, and all they say is sorry it was an honest mistake. Well, their honest mistake is putting my credibility in check. The credit check done by NewFed will stay on my file for the next 2 years.
Product: Debt collection

What happened? 
I am in very bad financial shape stemming from a very bad employment situation I suffered, and am still suffering at the hands of my ex- employer XXXX that left me in financial ruin, and now I have XXXX XXXX XXXX trying to further ruin me with there aggressive collection tactics and complete disregard for the physical, emotional, and psychological toll I am enduring. The nature of my complaint involved a very aggressive debt collector named " XXXX XXXX XXXX '' whom bought two accounts, for the purpose of this compliant it will be specifically about my SYNCHRONY account. However a second complaint will be filed with regards to my other account with them. In 2017 I started working with a local automotive parts manufacture here in town called XXXX while I was enrolled in college full time. This job really left me in financial ruin, as slowly my wages were not being paid to me. Sadly, the fact that I was left without wages and the owner would string me along and promise to pay me " next week, next month '' etc, I continued to work without pay expecting to eventually receive my wages. Because I was not getting paid, my credit cards and other bills went into default. One of those is this debt XXXX XXXX bought from XXXX. I have been engaged in a 2 year legal battle with XXXX and it's owners. I have a case with the California Department of Labor and have had multiple hearings and a trial where I was awarded by the court my past due wages. I have attached the court declarations and the complaint against XXXX, so you can read first hand the nightmare I've been through. I even lost my dear Dog because I was unable to pay his continued veterinary treatment. However this judgement awarding me my past due wages has been impossible to collect, and even though I have a court order for XXXX to pay me, I have not received any monies and the situation looks extremely unlikely I will see a XXXX out of this due to the company being now investigated by the Local District Attorney 's office, and they have an F rating on the XXXX  so they have zero chance of actually getting new clients. I am attaching the proof of the D.A investigation and a copy of the XXXX profile so you can see. I have implored XXXX to really help me with this, but instead they just transfer me to there " legal department '' like i'm supposed to be some kind of criminal. I hope once they see the proof of my terrible situation they will be more willing to work with me. I do not appreciate them making legal threats against me, when I'm simply just trying to resolve my account. they are impossible to negotiate with and I just hope these facts helps them help me pay this off at a reduced amount, and stop threatening me with legal action when I am not refusing to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts and inquiries on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  XXXX. ) XXXX Balance : {$690.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error.

Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report ; XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has pasted them. Please remove any information that the creditor can not verify. I understand that under 15 U. S. C. Sec. 1681 ( a ), you must complete this reinvestigation with 15 days of this receipt of this letter. 
Please send an updated copy of my credit report to the above address. Accounting to the act, there shall be no charge for this updated report. I also request that you please send notices to anyone received my credit report in the past six months.

Thank you for your time and help in this matter.
Product: Credit card or prepaid card

I put this in twice already to you and I have talked to XXXX  and XXXX in the corp office no one wants to help these 2 late payments were due to the corona virus and they woudlnt anything for me until I get up my account In XXXX I could not because of the virus and none of them want to lift a finger to help and I am really really upset these 2 late payments were out of control they don't seem to understand that I have last payments before due to there cutoff times there cutoff times are not fair to people in the west coast to make it due by 6 I work until that time and usually pay after work put every one of them were on the same day maybe missed by four or five minutes because they have unreasonable cut off times for people in the west coast but I never really missed a payment in years and the only reason these ones were missed in XXXX is because of the corona virus and they still stick it to me and there managers are all rude and sound like a broken record
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX account in my spouse 's name went XXXX  days late due to an automatic bill pay error in XX/XX/XXXX, in XXXX I bought XXXX cars and realized my interest rate was higher than expected. It was well over XXXX for many years... never had any negative credit reported ever..now my credit went from XXXX to XXXX and cost me a great deal of additional interest expense. When i called them, they said I was an authorized user. so, I asked them to remove me... then they changed their mind and said I was a joint account owner. I have never had a card and never made a purchase with XXXX XXXX... asked them to confirm and they agreed I never had any activity. I asked them to provide the authorization to add me as an account owner in writing via certified mail. They are not able to provide me with anything at all. They last told me it was from XXXX and they don't have records that far back, but then how do they have that date? 
they simply said they were not going to do anything about it even though XXXX XXXX seems to require that they provide proof of debt.
Product: Payday loan, title loan, personal loan, or advance loan

Everytime it says I was qualified I applied and was denied and it kept making my credit score go down.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXhas 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: Debt collection

I sent a certified letter to Fox collections on XX/XX/2024 asking them to please send me prove of verification. 
I never received an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX hired a third-party collection XXXX XXXX XXXX to report an item on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX {$3300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

There is an account from XXXX XXXX for {$270.00} that is listed on my Experian credit report. This account is an unauthorized and fraudulent account from the result of identity theft. I am a victim of identity theft and this account do not belong to me.
Product: Bank account or service

Money was unfairly taken out of my checking account Consumer Financial Protection Bureau Case number XXXX
Product: Credit card

I have received another 2 credit card offers from XXXX. Since I must have opted out to receive any credit cards and this so-called Experian must have known the reality that I opted out due to the position to be noticed officially, the continuous offers from this company must be questionable ethically, morally, and, possibly, legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 

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, has violated my rights. 

15 U.S.C1681 section 602 A States i have the right to privacy.

15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Dear Consumer Finianacial Bureau I am writing to dispute the following information that appears on my [ Equifax or XXXX or XXXX ] consumer report : I AM VICTIM OF IDENTITY THEFT DUE TO THE DATA BREACH MY INFORMATION IS BEING USED FOR CREDIT CARDS, CARS, AND LOANS. 
Dispute 1 Account Number or other information to identify account : no acct # Source of dispute information : XXXX XXXX XXXX XXXX XXXX Type of disputed information : the amount of {$2300.00} is invalid. The date opened ( XX/XX/XXXX ) is invalid Dates associated with item being disputed : [ XX/XX/XXXX Explanation of item being disputed : the date opened on the account is incorrect and the amount reporting is false. 
o Im the victim of identity theft due to the data breach all of my information was stolen and used multiple times and I dont recognize one or more of the accounts on my report Dispute 2 Account Number or other information to identify account : no acct # Source of dispute information : XXXX XXXX XXXX Type of disputed information : The date opened is invalid. Sold my information. 
Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : the date opened on the account is incorrect and the amount reporting is false. 
o Im the victim of identity theft due to the data breach all of my information was stolen and used multiple times. Dispute 3 Account Number or other information to identify a
ccount : no acct # Source of dispute information : XXXX Type of disputed information : The date opened is invalid. The amount reporting is invalid Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : the date opened on the account is incorrect and the amount reporting is false. 
o Im the victim of identity theft due to the data breach all of my information was stolen and used multiple times.

Dispute # 4- Public records I have an arrest showing on my public record. It was in XXXX from XXXX pharmacy I have been cleared of any charges and I was not convicted. as per XXXX XXXX courts this should not be reporting on my background or credit. 
Dispute # 5- there are addresses 20+ years old reporting on my credit that should be removed also the actions taken by these companies included phone calls threatening to come to my house. threatening to garnish my wages. calling blocked and making threats to my life. 
This debt is in violation of 15 U.S.C. 1692e ( 2 ) ( A ), made false threats to take actions that can not legally be taken in violation of 15 U.S.C. 1692e, 1692e ( 5 ), and used false representations and/or deceptive means to collect the debt in violation of 15 U.S.C. 1692e ( 10 )