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

Hi, I obtained a loan in the amount of {$61000.00} from Dividend Financials for solar panels at a fixed rate of {$5.00} that compounds daily. I was informed that I would receive a 30 % tax return, about {$18000.00} in XXXX ; however, when I filed my return, I did not receive that amount. I then realized that I would only receive a return commensurate to the amount I paid in tax in XXXX. Even though I informed the Dividend Financials representative that I did not receive {$18000.00}, they continually informed me that I have to pay that amount back by XXXX of this year, XXXX, or my monthly payment amount will increase. I even said I would pay extra to the principals, but they would not allow me and stated any extra would got towards the interest. Also, I was not aware that I was paying much less than the monthly principal ( P ) and interest ( I ) which was over {$300.00} ; I found that I owed over {$600.00} on the interest when I asked to apply extra to the principal. The loan was structured so that I paid {$280.00} instead of meeting the full monthly amount to cover P & I. 

They structured the loan so that the interest amount was not being met monthly because the payment amount was much lower than that limit. I also did not know this until long after I was making payments. As a result, I was continually owing on the interest rate, and this also caused no amounts to be paid towards my principal ; to date, my principal is still {$61000.00}. The longer I take to make these payments, the more interest they are accruing, and this is a scam structure and not fair. 

I need help to stop this kind of misleading and scammy presence. They need to be sued for fraudulent business practices. I hope you can assist me, please. 

It is worth noting that approximately 10 Attorney Generals from different states, including Illinois, where I currently live for my military assignment, joined to put a stop to this practice.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to delete some of the data on my credit report, but there are still some accounts that need to be removed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be deleted as soon as possible BankruptcyXXXX XXXX Bankruptcy XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I stated and outlined in my previous Affidavit of Truth which I attached to my previous CFPB complaint about Early Warning Services , LLC. This fraudulent and illegal organization is attempting to be deceptive with their responses, delays and tactics. Not only have they continually broken federal laws by violating my cease and desist letter. EWS is purposely deflecting and lying by stating in their recent correspondence that they are in receipt of my disputes. I never included any dispute in my last official communication with them which was my Affidavit of Truth they received and signed for on XX/XX/2021. I only included my demands within my remedy which is my right as the federally protected consumer and natural person. They have said they are declining my request to pay my invoice which is deceptive and false once more. My invoice was not a " request '' but rather a demand pursuant to federal law. All details of this issue at hand have been included in my first Affidavit of Truth and my second one attached below. In my second Affidavit of Truth attached below in which I have updated my invoice to reflect all of Early Warning Services , LLC violations of federal law. This includes all the ones I initially missed and all their federal law violations over the last five weeks alone. Any questions they could have about their illegal wrongdoings are all clarified in both my Affidavits of Truth. They received and signed for my second Affidavit of Truth on XX/XX/2021. This is officially my second step I have taken in my private administrative process with Early Warning Services , LLC. Forward my Affidavit received today to all senior executive leadership and your legal team. I am giving EWS a chance to resolve all their flagrant violations of federal law by delivering my outlined demanded remedy. I have again not made any " disputes or request '' in my second Affidavit of Truth but only demands as is my right by federal law.
Product: Credit reporting or other personal consumer reports

Checking my credit report, I noticed a series of accounts in the name of XXXX  ( XXXX, XXXX, XXXX, XXXX ), XXXX XXXX XXXX XXXXXXXX, XXXX ), and PORTFOLIO RC ( XXXX, XXXX, XXXX, XXXX ) that are reporting collections in my name. However, none of my creditors or even the collection agencies themselves provided certified notifications informing me that my personal and credit information would be transferred to a third party. Based on this, I do not recognize these accounts as mine, and they are failing and violating my rights as a consumer, potentially leading to identity theft. Therefore, I am submitting this complaint to request validation and verification of the accounts, for which you can provide me with certified evidence. Where do I give consent for these accounts to be reported on my credit history? As well as the prior notifications regarding the transfer of the accounts by the creditor. Considering this information, the accounts in question would be violating Title 15 of the USC in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, so please do so. I need you to remove the following fraudulent accounts and information off of my Credit File 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 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 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 I am requesting that you immediately remove the disputed items off of my Credit File.
Product: Credit card or prepaid card

It is a credit card through my bank. THey lost several deposits which took over a month to research and post. in the mean time they are increasing late and over the limit fees as a result. 
MY complaint is that I have spoken to them and they call me daily sometimes twice. 

THis seems like abuse.
Product: Checking or savings account

I had a valid verified check that I deposited from my old bank institution which was my tax refund from the IRS a teller personally put a hold on my account out of anger even after I provided the documents from my other institution and IRS verifying my check. They are refusing to get my funds and putting me in a financial hardship right now
Product: Student loan

I contacted this XXXX when these loans first went into repay to get better repayment plans. Found out they have a completely different policy than other XXXX XXXX where as you must contact them 3 months prior to loan entering repay status to discuss better repayment plans. No notification was received at all about this in advance. Assuming similar to my federal loans this was the same. They told me I had to be late on my payment in order to speak to anyone which I didn't want to do but that was the only way. First day late I called, I was on hold for literally XXXX until I speak to someone. They were rude, they asked all kinds of questions on finances which I fully disclosed then told me that they would move my late payment to the end of the loan to " help me out and get caught up '' and waive the late fee on that payment if I gave them my debit card up front so they could auto withdraw my payment. No Way, wasn't late this was their doing. I recently made a payment in XXXX for two months ( XXXX ) nothing should have been due to XXXX. Well I received a late notice and interest/fees charged for XXXX. My interest rates are at XXXX and 11.85 % which is ridiculous since my federal rates are much lower and I have a great credit score. These people are thieves, do not fully disclose their practices and notify in advance when you should call and make arrangement for better payment options ( extended payments ). Force you to pay late in order to speak to someone. They need to be investigated! This co. is a shame and they are misleading kids with their high rates and deceptive practices. It must stop, I pay my loans on time and when I try to get ahead this happens and they XXXX me again. There are actually people that want to pay their loans and do the right thing and there are predators like Salle Mae that want to take advantage for their own financial gain.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report I noticed a bunch of inquiries that I'm not familiar with. There have been numerous data breaches that I have been apart of. I need the credit inquiries made by the following company Experian investigated and documentation provided that gave permissible purpose for this company to pull my credit report and report. I believe this is in violation of the Credit Reporting Act section 1681b ( c ) and is also a serious breach of my privacy rights.Please validate this information with these companies and provide me with copies of any Documentation associated with these accounts bearing my signature, authorizing an inquiry. I also demand you, to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
n the absence of any such documentation bearing my signature, I formally request tha1 these inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to produce the requested contract and to complete the investigation, as per the Fair Credit Reporting Act section 611.
Product: Debt collection

On XX/XX/20, I saw that something I have already disputed and had removed from my XXXX  credit report came up on my XXXX  credit report. At first I didnt know what it was for, but after calling and getting verbally abused I figured it out. The person on the line didnt say it was an attempt to collect a debt and that it was a recorded call when they first began speaking to me. Only later did they disclose that. I have NEVER received written communication from this debt collection agency in regards to this account saying I owe money, or anything of the sorts. The customer service rep just kept laughing at me saying you signed a contract and when I asked to speak to someone else that was more professional or could give me more information he outright denied me that opportunity. I said I will just have to get a legal team involved and he laughed again and said they are going to say youll lose because you signed a contract I believe they are treating me this way since it has already been disputed and they are upset they can not penalize me anymore. Its unprofessional and outright wrong to talk to someone like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a certified letter to TransUnion disputing a late payment in XX/XX/XXXX that was on my credit file. On XX/XX/XXXX TransUnion mailed me back the investigation results. The results was verified as accurate and updated. The same investigation report changed the date which is also inaccurate. Now it's showing on my credit report that I have a late payment of XX/XX/XXXX. I have proof that I made my late payment on time. I provided a copy of my bank statement showing proof of making my payment on time in XX/XX/XXXX. 

I'm having a difficulty time mailing letter to correct my information on my credit file with TransUnion. They keep changing the late payments to a different date. 

Thank you.
Product: Debt collection

I received a letter from " Helvey and Associates '' on XXXX XXXX, 2016 stating that I had an outstanding electric bill with XXXX XXXX. This letter was dated XXXX XXXX 2016. I immediately called XXXX XXXX. They stated that they had made a mistake and never sent me a final bill. I then immediately paid the amount due. Then on XXXX XXXX, 2016 " Helvey and Associates '' reported it as a collection account on my credit report and they are refusing to remove it unless I pay them additional money.
Product: Debt collection

Multiple accounts on my credit that are not mine and also a personal address that does not belong to me XXXX XXXX, XXXX {$6700.00} XXXXXXXX XXXX XXXX$7400.00} Address - XXXX XXXX XXXX, AL
Product: Credit card or prepaid card

I upgraded my Amex Gold card to an Amex XXXX  card in XX/XX/2021 upon receiving the following upgrade offer : - Spend {$2000.00} within six months and get XXXX Membership Rewards points - Earn an additional 9x Membership Rewards, up to {$15000.00} in spend, at grocery stores for a total of 10x Membership Rewards I completed both of these requirements in XX/XX/2021. Representatives via phone and chat have confirmed that the offer is attached to my account and I should have received the points. Terms of the offer state that I should have received the points within 8-12 weeks of purchase. That timeframe passed in XX/XX/2021, and I subsequently opened an investigation with American Express. The company has not responded to my requests for an update, and has not posted any bonus points. The total bonus points due are XXXX + XXXX ( 9 x {$15000.00} at grocery ) for a total of XXXX Membership Rewards points. 

I am asking the CFPB to contact American Express for an official response. No more investigations. The points should be posted in accordance with the bonus offer.
Product: Debt collection

I have made many attempts to contact this collection agency and submitted Identity Theft Federal Trade Commission number to them. I have fax over documents and this agency is not responding to removed this collection from my credit reports as it was a result from Identity theft.
Product: Debt collection

Jefferson Capital Systems is reporting a collection to the credit reporting bureaus in the amount of {$11000.00}. I have never entered into a contract with Jefferson Capital Systems neither have I ever received anything from this company in reference to a collection and this is in direct violation of 1006.34 Notice for validation of debts. Please remove this collection account from my credit reports immediately.
Product: Debt collection

On XX/XX/XXXX and today ( XX/XX/XXXX ) I received calls/messages and spoke with someone for XXXX XXXX threating a suit for fraud. The language and demeanor is very threatening.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my husband and I refinanced our home mortgage with First Tech Federal Credit Union. We were waiting for our new loan statement in order to start payment, however we never received any mortgage statement for our new loan, but in XXXX, we got notice that we were late on our mortgage, and once we were able to get information about where and how to pay our new mortgage, we did so immediately. This was all news to us, as we had just thought that we would start our new payments in XXXX, since we were told you typically miss one months payment when you refinance.

After this incident, First Tech Credit Union, reported us to the credit bureau for the delinquency and would not remove the delinquency even after multiple attempts and calls to do so. 

Fast forward to XX/XX/XXXX. We sold our house in XXXX and moved back to XXXX XXXX, XXXX. In XXXX of XXXX we tried to apply for a loan to buy a home and we were informed that our credit report said we are delinquent AGAIN for payment in XX/XX/XXXX! First Tech Credit Union reported us for late payment, even though our mortgage was paid off! My husband and I called multiple times and First Tech member services admitted that it was an internal mistake and they can see that we paid off our mortgage in XXXX, and they are not sure why it was reported delinquent! They expressed that they informed the right department, but every time we call, we are given the run around and no one is taking responsibility for this issue! 

Due to the negligence and internal mistakes of First Tech Federal Credit Union, my husband and I and our XXXX young children are unable to buy a home, and are even having trouble renting. We are highly educated, make great money, and we work very hard. We have been home owners for years, and now, due to these errors on the part of First Tech, we are unable to secure housing! I will continue to slam First Tech Federal Credit Union.
Product: Credit card or prepaid card

I can't find the " guide to benefits '' which is specific to my Capital One XXXX XXXX XXXX XXXX It is not under my account information. Also, when directed by Capital One customer service to find it on their site, of the types of cards listed, my type is not included. I found a generic " Capitalone XXXX XXXX XXXX to Benefits '', but I can't be sure if it is specific to my card. After being on hold with XXXX for XXXX minutes, XXXX, from their digital department advises me to call XXXX. This information should be available from XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to you regarding persistent inaccuracies in the reporting of my account by XXXX XXXX XXXX XXXX XXXX XXXX credit bureaus. Despite multiple attempts on my part to rectify this matter, it has become apparent that your organization has failed to address the discrepancies, leading to significant financial injury, emotional stress, and more. 

On XX/XX/XXXX, and XX/XX/XXXX, in separate investigations initiated by me, your office stated that it reviewed my account with your Credit Bureau Operations department and found that my account was reporting accurately and did not meet FCRA deletion criteria. However, I possess evidence from my XXXX and Experian credit reports that demonstrate otherwise. These reports clearly indicate multiple items being reported incorrectly by XXXX XXXX XXXX XXXX. 

Enclosed with this letter, you will find documentation supporting each violation found on my credit report, including evidence of incorrect payment history and inconsistencies in charge-off dates. For example, your letter addressed to me stated that the last full payment on my account was received on XX/XX/XXXX. However, my XXXX report shows the last payment as XX/XX/XXXX, while my Experian report shows XX/XX/XXXX as well. This discrepancy of a two-year difference from my actual last payment date is a direct violation of FCRA reporting requirements. 

Furthermore, it is imperative to note that this account has been disputed for inaccuracy before and was removed. However, it has been added back with inaccurate information again, exacerbating the financial harm and emotional distress caused. 

If my account was charged off in XX/XX/XXXX, it is concerning to note that it was also charged off for 32 other months. This is a blatant violation of FCRA furnishing requirements and has caused significant harm to my creditworthiness and financial well-being. 

In light of the persistent inaccuracies and violations of FCRA reporting requirements, I am left with no choice but to pursue arbitration to seek redress for the damages caused. However, I am willing to offer XXXX XXXX XXXX XXXX XXXX last opportunity to resolve this matter amicably.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission. 

Please remove the following inaccurate information : US Bankruptcy Court Account Number XXXX. 
US Bankruptcy Court account number XXXX. XXXX states, that they verified this. How when the last time it was updated was XX/XX/XXXX? It's XXXX. Delete. 
US Bankruptcy account number XXXX. XXXX states, that they verified this account. How when the last time it was updated was XX/XX/XXXX. Delete. 
XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX account number XXXX Sincerely XXXX XXXX XXXX
Product: Credit card

XXXX took over management of XXXX XXXX credit cards. They instituted auto enrollment in credit protection and monthly minimum interest fees. Written notice of these changes was never received. Additionally, my account was suspended due to an overdue balance on the credit protection charge but they continued to charge monthly minimum interest fees on the account. 

Also, XXXX 's customer service for the account has no means of getting to a live person to cancel the account or any web based options to cancel.
Product: Credit reporting or other personal consumer reports

I requested for reinvestigation and deletion. I received no response.
Product: Credit card

On XX/XX/2023 my credit card was stolen and used to fraudulently purchase a XXXX XXXX for {$15000.00} at XXXX XXXX in XXXX XXXX, VA. I reported this to Chase who cancelled the card. Since then Chase has refused to declare the event fraud and credit me with the money despite the XXXX XXXX Director filing a letter with Chase which declares the purchase fraudulent, absolves me of the purchase and declares that a store video showed the purchaser of the watch to be a fraudster who is well known to that store. Learning that Chase has this letter I requested two weeks ago that they furnish me with a copy but to date I have still not received this letter.