23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My home equity loan under XXXX  XXXX went to a company called Select Portfolio Servicing , Inc. to manage per XXXX XXXX staff. They stated S.P.S. was only to manage. However, S.P.S. refused repeatedly to confirm who now owned my note and pressured me repeatedly, deceptively, and against past practice of XXXX XXXX for me to buy their insurance. XXXX XXXX had stated no escrow required for home equity loans. This loan had been with XXXX XXXX for many years. S.P.S. insisted on homeowner insurance purchased through them. I had my own homeowner insurance most of the loan period until recently. Nevertheless, I received false and misleading payoff information as well as harassment to buy their product even while I had homeowner insurance. I also asked for a copy of the note they had received as they claimed contrary to XXXX XXXX staff and contrary to XXXX XXXX billing that my note was not a home equity loan, but a mortgage that required escrow. 

Select Portfolio Servicing , Inc., has lawsuits against it from other consumers. I paid more on principal several times. I asked for a complete history of all payments which they have not done. 

*** My Final Payment in the amount of {$69.00} was written on a check which stated to apply to the principal. They did not! They put in " unapplied ''. They did not send my note showing paid, and state I owe insurance payments and continue to increase " escrow '' for their insurance product although note paid off. And continue to show principal remaining in the amount of {$69.00} Even Though They Received This Money. 

My debt has been paid and I need a printout of all payment and charge history to verify their accounting. The person who made the dishonest decision to not apply my final payment to principal should be penalized along with S.P.S. I should receive my note as paid and a statement from S.P.S. showing no balances. 

I will be referring this complaint to corporate within XXXX XXXX and S.P.S., their Board Members, and to appropriate Texas and federal officials over banking/finance as well as those who represent my district and state. ( I have to wonder if those who investigated XXXX XXXX should investigate S.P.S. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan from Vouch financial on their website ( vouch.com ) in 2015. At first, everything was fine with all payments being made on time. However, approximately 3 months before the end of my loan the website went offline, automatic withdrawals stopped, and there was no phone number to contact Vouch financial. At the time I thought they went out of business, literally. I have attempted to contact them with no success, and no means to resolve this issue. There was no listing for Vouch financial, and no method published to resolve any open account anyone may have had with thrm. I was pretty sure Vouch financial went under. Now the account shows 4 YEARS LATE on my credit report. This is a major issue and is preventing me from purchasing a house. This is borderline criminal behavior by Vouch financial since they did not make any effort and provided me NO WAY to actually pay the loan after their website went offline.
Product: Vehicle loan or lease

I am XXXX XXXX XXXX Servicemember. The vehicle was purchased after joining the service but I am still elgible under certain parts of the XXXX to protect myself from repossession. My vehicle was siezed by an agent ( Colleteral Recovery based in XXXX NC, I am local to XXXX XXXX XXXX, of Santander Consumer USA on XXXX around XXXX from my local address. I contacted the company today to inquire as to why it was seized. They stated my auto payment had been bounced back in XX/XX/2020 due to insufficient funds but was reassured there would be no issue moving forward as to autopay and making that payment online that was bounced back. I was never contacted about this by phone or email in regards to this issue. I attempted to make a payment on the first of XXXX online with the payment portal and it stated I had to contact them by phone due to error processing payment. I did so and they stated it had been bounced back but I could do it online again and submit it as they couldnt currently due to covid process over the phone payments. I attempted to due so and it didnt go through again. I have since then on the XXXX and XXXX of each month attempted to pay online as per their only allowed payment methods with the error message popping up and each time. Upon waking up on today, XXXX I discovered my vehicle has been repossessed overnight. I contacted the bank, received the name to the company who was their agent of Repossession and stated I would like to discuss with someone from the XXXX department. They were unwilling to transfer me stating I am not eligible at all for this protection. I asked if any sort of court order or judgement was signed authorizing the repossession of my vehicle. They stated they didnt need XXXX. Also stating I never signed any sort of waiver waiving my rights to the XXXX. Upon legal counsel acquired this morning I am not eligible for the loan to be capped at certain interest rates but must still receive a court order to have the vehicle taken. My wallet, military id social security card and drivers license are all in my vehicle and I have attempted to find out who has taken the vehicle to at least claim back those items as I need to them for work and have been hung up on. Please assist me as I feel my rights as a Servicemember have been utterly and completed violated under this act and that they didnt do their job to verify I was XXXX XXXX when I initially acquired the loan and my vehicle unlawfully taken without proper court mandated authority.
Product: Checking or savings account

On X/X/2017 I went to my online banking thru Wells Fargo Online and went to pay {$1000.00} to my WF Visa account On X/X/2017 I received a statement from Wells Fargo Visa which didnt reflect the {$1000.00} I paid online Of course I called realizing it was to soon for it to appear The lady I spoke to said she never recieved it, so I looked online and saw I accidentally sent it to WellsFargo Banking which was for a loan I had for carpeting, which I have a XXXX balance with So they gave me the number to call to correct the problem I was sent to another country where I had a little difficulty understanding the lady. representative But I did understand her saying that they could n't return the money to me for 10-15 days She transferred me to the States and the man I spoke to a supervisor said the same thing to me, So I asked to speak to a manager. I spoke to a XXXX XXXX Very nice man trying to help me, but he said he could n't get it to me for 5-7 days So the next day I went to my local bank and spoke to my banker XXXX XXXX who also tried to help me, but he was told the same thing, that it will take 10-15 days to return the money they all told me this is their policy, I said your policy is antiquated! if you can take it in a day you should be able to return it to me in a more timely fashion I could understand 2-3 days its the same bank and it was done online with my money So I am upset and think this policy is unfair and I want my money returned to the account it came from
Product: Debt collection

Hi Team, National recovery collection agency they did not send any notice to me and opened a {$65.00} amount account on XX/XX/2018 on my credit report.

I called them about the account then they send back notice to contact them in 30 days.i called again and asked more details on this account but they give an email ID for any further communication. I sent out 3-4 Email after that but they never responded. 
Again I called them but they said will update in some days .after more than a month I have not received any account information back from them.
Product: Debt collection

The llc company XXXX XXXX has reported a debt that is past statute of limitations from XXXX XXXX. I want validation and removal of this debt from my credit report. And all copies and documentation forwarded to me. Again, this company is commuting fraudulent activity by reporting fraudulent information on my credit report, which effects the quality of my life. I expect the removal and full validation and investigation within 30 days. 


Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Act convergent account number XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 Section 602A. 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: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : 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  TRANSUNION : XXXX, XXXX, XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

NAMES AND ADDRESS THAT I HAVE NEVER BEEN ASSOCIATED WITH IS APPEARING ON MY CONSUMER FILE.
Product: Vehicle loan or lease

I have an older loan with Capital One for an XXXX and and a newer loan with Capital One for a XXXX. When I obtained the XXXX loan I requested a loan with identical due date and auto pay as the XXXX loan. I pay a small amount additional payment each month to be applied to the principal for a less interest charge the next month. This has worked perfectly with the XXXX. The XXXX is a different story. I paid my monthly payment on the due date of the first of the month from XX/XX/XXXX through XX/XX/XXXX. I paid an additional amount of {$15.00} a month to be applied to principal. I find out today that they have not been applying the additional principal but instead they have been just crediting it towards my next payment. I think this is terribly dishonest and just a way to keep my additional money without crediting the principal. They have " explained '' that it is because the payment is due on the XXXX for the XXXX and the XXXX for the XXXX. They say that they have 2 days extra time to apply the additional principal payment for the XXXX but since I pay the payment due on the first on the first they can not apply it to the additional principal but instead apply it toward the next month 's payment. I believe that if my payment is due on the first and I pay it on the first they should apply it towards my principal otherwise what is the point of paying an additional amount? This seems like utter nonsense to me. If this is the case Capital One should have set up the payment as I requested identical to my previous loan. They are basically just holding my additional payment with no value to me only value to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, PORTFOLIO RECOVERY A add a derogatory mark on my credit report per XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor 's creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, Equifax, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? Equifax removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 


Equifax XXXXXXXX XXXX  Date Opened XXXX Balance XXXX Acct Number XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$470.00} Inquiries XXXXXXXX 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 card or prepaid card

I'm going to start from the very beginning again with this complaint. At the end of XX/XX/XXXX I submitted a complaint about Capital one to CFPB because of a secured credit card I applied for in XX/XX/XXXX, which was approved. I gave a deposit of {$250.00}, they took the deposit and never gave me a card. I communicated with them over the phone numerous times, nothing worked. Even when they promised me a card in the mail, they still didn't keep their word. Apparently, there was an issue of me identifying myself, which I tried to do numerous times using their useless link that never worked. They never cared to resolve the matter another way anyway. They also kept my deposit and never tried to reach out to help me resolve the issue. I guess it's just easier for them to keep money that isn't theirs than to actually give good customer service. Fast forward, I realized they will never send me a card so I made this complaint and they sent me a letter denying all the important things I stated in my first complaint because and I quote " we were unable to find any calls where you were provided the information you submitted in your complaint. '' Understand that my credit is fairly unused and inaccessible even to me. Reason why I even bothered applying for a credit card with them, to establish my credit.Very recently, I accessed my credit history and found out there was a fraudulent Capital One credit card opened in my name almost a year ago, XXXX of XXXX. How Capital One was able to get ID verification for that fake account, I do not know. I wasn't able to get a credit card with them but somehow a fraudulent one was so easily approved by them. Everything is so suspicious about that account that I'm starting to think this is an internal issue within Capital One. Like how the balance on the card is more than double the limit and the past due is {$0.00} while the unpaid balance is {$610.00}. Like how the account has been paid since XXXX of XXXX, maybe for XXXX but XXXX, XXXX and even XXXX of XXXX were not paid but it shows as up to date and paid, so suspicious. I briefly mentioned the fraudulent account in my first complaint in a file that I sent them, although looks like they didn't even look at any of the picture proof I sent. I screenshot everything so they see the proof, which I will do a second time for this new complaint. Hopefully they bother to even look at them because I'm going to fight to get this fake card removed off my credit as it is completely unfair that Capital One can so easily approve fraud accounts but not real ones when the real owner request it. If any additional information is needed of me, let me know so I can send them by email. I started reporting everything and will continue to do so. I want a {$250.00} refund and the fake account in my name to be closed by Capital One.
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 Balance : {$30000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$76.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX : {$30000.00} XXXX XXXX XXXX : {$17000.00} XXXX XXXX  XXXX Balance : {$30000.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX T ) XXXX Balance : {$390.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax and XXXX in regards to the numerous inquiries that's appearing on my credit report.I let them know that I was a victim of their inquiry issue. They have neglected to remove them as well as bankruptcy and a collection account that does NOT belong to me. They have said it came back as verified and I requested them to provide me who verified the accounts. They have failed to do that as well. XXXX has abided by the law and deleted said accounts and stated they were unverifiable. I am trying to understand how one bureau can not verify accounts and another bureau who will not provide proof of verification can. I also provided documentation from the U.S. BANKRUPTCY COURT whom in which they said furnished the information stating their accusations are false. To my understanding the accounts must be verified by the alleged FURNISHER. Any automated response or XXXX verification is unacceptable.
Product: Credit card or prepaid card

I purchased airline ticket online from XXXX XXXX XXXX website on XX/XX/2020 using my Barclays Master Credit Card ending in XXXX. Travel date was XX/XX/20 and XX/XX/20 from Washington DC to XXXX. The flight was cancelled in XXXX due to Covid 19. The airline has not refunded the money or responded after many attempts via phone, email, and online submission. 

I disputed the charge with the Credit Card company in late XXXX, and made repeated attempts in XXXX, XXXX and provided additional information they requested. On XX/XX/XXXX, Barclays card sent me letter saying they are unable to pursue credit since the chip on the card was read and validated, or the card was present and CVV confirmed. 

As I mentioned, it was a online purchase. I demanded Barclays provide evidence of reading the card or physical transaction record. OnXX/XX/20 Barclays sent a letter saying that they are unable to complete my request and that's the end of it.
Product: Credit reporting or other personal consumer reports

There are inaccurate late payments with XXXX of my accounts. I have requested to fix it but when I checked my credit reports I can still see the late payments reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX Acct # XXXX RE : Improper Reporting & Inaccurate Reporting Violations : ( 1 ) 2 times charged off, which is a violation of the statute of limitations : account can only be charged off 1 time.

( 2 ) Account written off for {$100.00} and reported as late ( 3 ) 2 different collection companies for the same account I am writing to formally dispute inaccurate reporting tactics and information that appear on my credit reports. Pursuant to my rights under the FCRA specifically 15 USC 1681i ( a )., and 15 USC 1666b, and 15 USC 1637a. 

Please conduct a investigation for XXXX reporting violations of inaccurate reporting, therefore it must be deleted from all of my credit files
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and discovered several unauthorized inquiries on my report. XXXX XX/XX/, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and SEQUIUM ASSET SOLUTIONS 15 U.S.C 1681 section 602 A States I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can't furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports XX/XX/2019 I couldn't believe that it was Multiple inquiries reporting with the same date of request being that every time a mortgage lender or auto dealer would ask to pull my credit report and i would deny them because i thought it would hurt my score they told me " No you have a 15-45 period to shop for houses and cars only '' I obviously l was lied to by someone but i didnt know who until I did my own research AND I FOUND OUT THE MORTGAGE LENDER WAS RIGHT AND THE CREDIT BUREAUS WERE NOT DOING THERE JOB I have XXXX inquiries on my credit reports over a two year period - SOME EVEN REPORT PAST 2 YEARS!!! 

I Started My Challenge to the Credit Bureaus On XX/XX/XXXX on what I thought would be a reasonable negotiation to delete all inquiries that were not dedupe correctly on my report to be deleted. SILL TO THIS DAY I HAVE NOT RECEIVED AN ADEQUATE RESPONSE FROM EITHER BUREAU I AM COMING TO YOU FOR RELIEF.
Product: Checking or savings account

A year ago, I received a promo code of {$200.00} bonus and took it to a US Bank branch to open a checking package. Although I completed all the offer requirement, I didn't receive any bonus until now. Since then, several attempts have been made to ask about the missing bonus, I only got very irresponsible answers, such as directing me to the branch, trying to explaining unreasonably " one or more '' or " recurring '', telling that my checking account didn't qualify which wasn't the case. I really want to keep on as a US Bank customer, but just feel so disappointed to see how US Bank has ignored and cheated me. 

Promo details can be found here : https : XXXX