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

Dividend Finance has submitted to the CFPB, multiple times, a document they have been informed is fraudulent. To defend the fraudulent document they use the fraudulent document. I was not the person who filled out the DocuSign document that Dividend Finance is using to enforce the loan.

I do not have the item the loan is for. It never passed inspection because the contractor the Dividend Finance paid ( against my will ) abandoned the project and allowed the permit to expire after becoming unreachable to myself. They damaged my home and did not provide the service Dividend Finance paid them for, which again was paid against my will and consent. They never confirmed with me that installation occurred. They broke the law in my state initially just dispersing the loan without my consent. I then explained in writing through their website and through emails that I never accepted the loan or the terms and conditions of the loan. Instead of actually investigating this, they used falsified documents to pursue the loan further. Submitting a fraudulent document in response to me informing your company multiple times that it is fraudulent is not a valid response. In fact, it is illegal for people to submit falsified documents. Even though you work for the institution you can and should be held criminally liable. There is a thing, called a digital footprint and it allows things to be seen, like who's computer and device accesses things. Not only could you have properly researched the info I told you ( multiple times ) to see that this fraudulent document was not filled out on my device but inevitably when the FTC, SEC and other regulatory agencies review Dividend Finance they will see each one of you individually who decided, made the choice, to participate in this fraud. Lack of training is no defense. You are criminals and will be held liable. Use the internet and search about all of the individuals who participated in banking scams and were held liable if you don't believe me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite numerous repeated attempts to correct over 20 different reported incorrect address information including asking verification from their third-party source, the credit reporting agencies are still continuing to report addresses for which I never lived or have not lived in over 20 years. As a result, I have been frequently denied access to my credit file and/or denied for credit because I have been unable to verify my identity " as it is being reported to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

KOVO INC XXXX Balance : {$170.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Not mind and did give Permission to pull my credit.
Product: Credit reporting

I dont have the original case number. I did the online dispute about a year ago and they removed the derogatory remark, it has now reappeared and when I try to log into the system, it says they dont have info for me. The dispute is with alimony and child support, we had ongoing litigation, during which time I continued to make payments, yet they report no payments made a nd 6  payments 90 day late. Because of the litigation and settlement on matters inclusive of support and alimony the reporting is biased against me. Also there is a matter  XXXX  state tax liens that were paid within abou t 2 we eks of being recorded, eqifax has removed them from  XXXX  separate disputes in the past but they now reappear, they were paid in full.
Product: Credit reporting or other personal consumer reports

Account details : Conn Credit Corp, Account Number XXXX / XXXX Inconsistencies across credit bureaus : Different balances reported ( {$8800.00} vs. no balance ) Different status descriptions Inconsistent payment histories Conflicting last activity dates Inconsistent company names Merchandise was returned for resale but not reflected in reports FCRA violations : Section 607 ( b ) : Failure to ensure accuracy Section 623 ( a ) ( 1 ) : Furnisher 's duty to provide accurate information Section 605 ( a ) : Potential violations of time limit requirements Section 623 ( a ) ( 2 ) : Duty to correct and update information
Product: Credit reporting, credit repair services, or other personal consumer reports

yes I have been with citi bank for a long time and i'm trying to applied for a Costco credit card since I shop there often but they keep on denying me even when I have a high credit score, what is the deal citi bank why can't I applied for a Costco credit card
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fee due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions were settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

This company has called several times through the day ( morning, afternoon, evening ). They have been told to cease and desist communications and this debt was being disputed. XXXX XXXX XXXX XXXX has continued to contact me by phone and when calls are returned, they promptly hang up. They have also continued to send demand letters through the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

unsure of dates but multiple of times i stated that this was error due to iditity theft or fraud on my account and the hard INQUIRIES are not mine.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: Vehicle loan or lease

I went to purchase a car at Florida XXXX XXXX XXXX in XXXX Florida. I got a XXXX XXXX XXXX. I returned it the next day because it was unsafe to drive. They promised to fix it but they never did. I was given a loaner ( XXXX XXXX XXXX XXXX ). two months later Ally Financial was calling me for payment for the XXXX. I explained to them I'm not paying for a car I don't have and wanted the XXXX of my name. The general manager agreed to send the check to Ally to get the XXXX  of my name. I believed him because I was uneducated at that time and didn't know my promissory note was payment for my car. I agreed to come and pick a different car. I picked the XXXX XXXX. I noticed Florida fine Car consolidated the XXXX into my new contract as a trade in. I asked why they were doing that. I was told that's what had to be done. About one month later, I noticed the XXXX  was fully paid for on my credit. I called Ally and requested a fully paid letter and the tittle. I was told the tittle was sent to the dealership and a copy of a fraud contract with fully paid letter was sent to me. I started researching and educating myself. XX/XX/XXXX Ally financial started harassing me, my family and my job via phone calls. I was asking proof I owe them money from XX/XX/XXXX verbally and by certified mail. In that letter and verbally, I also revoked Ally financial right to repossess my car. They only responded to one letter that reads I have no power over them and had XXXX XXXX XXXX stole my car on XX/XX/XXXX. I believe Ally is turned my security to a bond and trading my car. I need a forensic audit report also please.
Product: Debt collection

I have been notified through mail solicitations that XXXX XXXX XXXXXXXX is suing me. I have contacted them to try and attempt to settle to avoid a judgement and told nothing they can do. They sent it to a company who is known for malicious collection tactics and Im being sued in TX when the debt occurred in CA. 

I requested BAC please, as an employee, allow me to settle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a issue with my credit file due to someone using my ID and SS to open up accounts and utilities in another city and state. My correct name is XXXX XXXX XXXX my only address XXXX XXXX XXXX XXXX, OH XXXX please delete any other address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have never lived in NEW YORK in my life. I have several numbers that do no t belong to me on my file please delete them : ( 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 the following account are unknown unverified accounts : XXXX XXXX # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX # XXXX
Product: Credit card

Barclays sent an unsigned letter to me dated XX/XX/2024 stating that I did have the zero APR on purchases. The letter did not have the name of a staff person but simply " Sincerely, Barclays ''. 
Neither was there a start date for the zero APR on purchases on the Wyndham Rewards Earner Card. 
The letter dated XX/XX/ advised me to call XXXX to speak with a specialists about this. Each time I did, the specialist DID NOT SEE THE ZERO APR ON PURCHASES. This last call was made on Friday, XXXX XXXX XXXX and spent an hour on the phone. The specialist had not been properly trained to locate this zero APR on purchases until XXXX. Each time that this happened with a specialist inability to verify or find this promotional zero APR I would send an email to XXXX, Executive Specialist with no response.XXXX even heard the specialist say that I most definitely did not have the promotional zero APR on my account. Yet XXXX would Not address this with me. Now when I call XXXX on her direct number, she does not return my calls. 
Barclays Bank made a decision to contact me XXXX XXXX XXXX a method where the message can not be forwarded to anyone else nor copied. This XXXX XXXX is inaccesible on my computer. I have requested several times that Barclays Bank do not contact mevia XXXX XXXX. 
On Friday, XX/XX/2024, someone called me giving the name " XXXX '' from Barclays Bank but she refused to fully identify herself with her last name. 
This XXXX wanted personal information about me for verification but could not allow me to verify who she was. The call was discontinued and an email was sent to XXXX, XXXX XXXX and XXXX XXXX asking that all communications using XXXX XXXX stop at once. 
I have reported many times that this IXXXX XXXX has glitches and I can not download any documents from Barclays. I have requested that Barclays Bank contact me via the regular email, USPS/ CERTIFIED with signed letters so I would know who to call including the telephone number, OR CALL ME GIVING THE FIRST AND LAST NAME SO THAT I MAY DOCUMENT AND KNOW THE PERSON WHO CLAIMS TO WORK WITH BARCLAYS . 

My experience is that an unsigned letter was sent to me from Barclays indicating that I have a 0 % promotional APR on purchases yet and advised to call Barclays specialists who can not find this promotion until I request a supervisor/manager. 

Neither is this promotion on my statement from Wyndham Rewards. 

Barclays refuse to accept responsibility for these contradictions to the letter sent me dated XX/XX/2024. I have no idea if I really have this promotional or not. 

It seems as if the Barclays Bank wishes for me to accept blind calls and unsigned letters. 

This entire situaiton has cost me time, energy, and has been very stressful.
Product: Student loan

I am writing to bring to your attention a major issue regarding the recent payment I made towards my Nelnet student loan account on XX/XX/XXXX of 2023. 

Upon reviewing my account statement, I noticed that the payment made on XX/XX/XXXX has not been correctly applied to the principal balance. Instead, it appears that the payment has not been allocated properly, as the interest continues to accrue despite the timely payment. 

I would appreciate your prompt attention to rectify this matter and ensure that my payment is correctly reflected in the principal balance. It is crucial for me to have accurate records of my payments and for them to be applied in a way that minimizes interest accrual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already spoken to debt company this information does not belongs to me the social security under this account does not belong to me and this account is still fraudulently being reported to XXXX  and Ive been going back and forth between XXXX and Portfolio Recovery account starting or ending with XXXX about this matter and this being illegally reported to under my social security number
Product: Credit card or prepaid card

It was XXXX of this year 2019, that I accepted a pre approved offer sent by mail to me by Fortiva Credit. My offer was for a credit line of up to {$1000.00}, which is what they lent me minus a {$170.00} Annual Fee. My actual resulting line of credit was {$820.00}. On XX/XX/XXXX, I made my first payment, the minimum of {$25.00}. They didn't post it until XX/XX/XXXX so they charged me a {$25.00} late fee. Now I had a new minimum payment of {$100.00} due XX/XX/XXXX, which I made. It was on or around XX/XX/XXXX that I called to discuss changing the due date, since I get paid social security on the XXXX Wednesday of the month. I believe they know as well. The due date of the XXXX was just before my payday. I was told my account had to be " current '', and then at that time I could put in a request, though not a guarantee, and it could take several months. When I received my social security check, I made a minimum payment of {$52.00} on XX/XX/XXXX so I was charged another {$39.00} which showed up on my due date of XXXX XXXX statement. Now my minimum payment is up to {$180.00}. I could not afford that high of a payment that month. On XXXX XXXX, again after I received my paycheck, I made a {$300.00} payment. It was the weekend so Fortiva didn't post it until XXXX XXXX.The minimum on my XXXX XXXX due date statement was {$270.00}. They charged me a late fee of {$39.00} as well. On XX/XX/XXXX, I made another {$120.00} payment and Fortiva charged me another {$39.00} late fee. On or around XXXX XXXX, Fortiva closed my account because I " ..failed to honor the terms of your account agreement. '' I did not receive any type of text or email, which Fortiva had used on numerous occasions. Instead, I received a letter, standard US postal mail around XX/XX/XXXX, a copy of which I have attached, along with the envelope with no date on it. Only within the first 3 months, I was told by XXXX XXXX, can the {$170.00} Annual Fee be PRORATED and partially refunded. This card was not a " rebuild your credit '' opportunity. This is predatory lending or loan sharking in my opinion. I have made {$590.00} in payments on a credit line of {$820.00}. I have been charged {$410.00} in FEES, {$190.00} in interest totaling {$600.00} in a closed account within 6 months. And, I still owe OVER what I borrowed {$860.00}. And, then I went to make my XXXX payment, they wouldn't take my credit card! Debit only. That is a first from my experience. This company has never failed to disappoint. Their purpose and design is to take advantage of people they know are at a disadvantage, and ruin their credit more.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I wrote Letters to all three credit bureaus telling them that my personal information has incorrect addresses phone numbers and names I even seen my little sisters name listed on my credit report. I told them to remove and I gave a list of my correct addresses name phone and phone number and the information is still listed as accurate and mine also the ssi numbers are wrong I am being ignored and need help with this investigation I didnt give them consent to put that information out there
Product: Credit reporting or other personal consumer reports

I recently my credit report, and noticed that i have a account that is not reporting the correct information. I have a late payment on a account that was actually paid on time. However the consumer reporting agency need to report this account with complete accuracy. this account has not been late on payments. i have attached a record of my credit report on the following date XX/XX/year>. i am now requesting you investigate and provide verifiable proof with records showing that i had late payments. if this information can not be verify i demand this account to be update it to paid on time immediately. thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX, TransUnion and XXXX Credit reports the collection tradeline XXXX XXXX XXXX acct no ending XXXX, Orig creditor XXXX XXXX XXXXXXXX All 3 credit reporting agencies are reporting the wrong " Date of 1st Delinquency '' " XX/XX/2017. '' My records show that the account was never brought to current from the first delinquency date of XX/XX/2017. XXXX, TransUnion, & XXXX are reporting the wrong date of first delinquency. They report XXXX XXXX my last payment was made, but the payment made on XX/XX/2017 did not bring my account to current. The last date this account was current was XX/XX/2017. This error causes re-aging and delaying the date the account will be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing late 30 days XX/XX/2020 showing late 60 days There is a lot of incorrectly reported information on all 3 credit bureaus and believe that these 2 missed payments are also reporting incorrectly.
Product: Credit reporting

I sent numerous letters to Chex Systems to verify or delete XXXX XXXX XXXX from my report and they have reinserted this account after they deleted it back in XX/XX/XXXX. I will be attaching the proof here as Chex System could n't verify it to begin with and still can not verify this account that 's reporting on my report negatively. I have never been notified by Chex Systems to even reinsert this and only found out when I tried to open a checking account and was denied. I will include copies of letters received and recent letters that were mailed to Chex Systems. 

Under FCRA 611 15 U.S. Code XX/XX/XXXXi ( B ) Requirements relating to reinsertion of previously deleted material : ( i ) Certification of accuracy of information If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion -- ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I was never notified nor was I ever mailed any documents verifying this account. I 've also contacted XXXX XXXX XXXX as per the address they included and it was returned to me, copy attached. I demand this deleted immediately.
Product: Credit reporting

Items purchased at a XXXX XXXX department store were charged to my credit account, by an individual unknown to me and, of course, not authorized by me. I notified XXXX XXXX as soon as I received the bill, and completed their fraud affidavit. They sent a copy of the transaction with a signature that is obviously not mine and claimed that they verified the transaction by calling my home telephone. I sent them a copy of the phone company XXXX XXXX XXXX transcripts of all calls coming to and from my phone number on the day of the charge showing no call to or from XXXX XXXX, but they have still denied my fraud claim and have reported the account as delinquent to at least Experian XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted three ( 3 ) requests to Equifax, asking them to investigate an account by providing me proof of ownership such as the original contract.

This request was made as part of my personal financial review and, because there are more than one XXXX Account on my credit file. The account number is ending in # XXXX. 

The first request was made on XX/XX/2021. There was also a request made on XX/XX/XXXX followed up by a third request. 

Equifax has not properly investigated this. They have ignored my rights to have information verified. ( FCRA 609, 611 )
Product: Payday loan, title loan, or personal loan

I took out a loan, for high interest Prior to making my first payment I secured a loan to pay off loan me at a lower interest rate. The second loan company issued a check to loan me to pay off the loan. The check was overnighted however by the time loan me received it more interest had accrued. I had auto payment set up with them so they took XXXX out of my bank account on the original due date. I called them and was told that they could n't apply the check to the account because it referenced it was a payoff and because another day or two of interest had accrued they had to take the XXXX payment out of my bank account. I understand they would need to charge my account for the difference due to the accrued interest but I feel for them to take out XXXX when i did n't owe that much is bad business practice. They received the check on XXXX XXXX my first payment was due XXXX XXXX. They had plenty of time to apply the payment without debiting my checking account. This overdrew my account and I was charged fees by my bank. I called them again and they said they would apply the check to my loan AFTER the XXXX came out and would send me the difference of the overpayment, that 's great but in the meantime my bank account is overdrawn and other payments I made are being returned nsf