23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year>, I received the attached letter offering me a credit card with Sephora. I do not want a credit card so I followed the instructions contained in the letter about how to opt out of receiving such " prescreened offers ''. I called the toll free number listed in the letter to opt out, however, I was never provided an opportunity to opt out when I called the toll free number. 

Instead, I was subjected to a barrage of additional offers - how to sign up or change my enrollment with XXXXXXXX XXXX XXXX XXXX XXXX XXXX I am not old enough for XXXX! ) as well as several urgings to apply for a free medical alert device. Each time I followed the prompt on the tollfree number, I was connected to another bot/prerecorded message about XXXX, how to be connected to a live insurance salesperson, and/or how to receive a free medical alert device. 

I eventually hung up without being able to opt out of receiving prescreened offers as I was told I could in the attached letter. I'm concerned other unaware consumers may be easily tricked into signing up for products they do not even want.
Product: Mortgage

XXXX XXXX XXXX I paid {$200000.00} to my duplex for a {$60000.00} mortgage. They foreclosed on my property for a {$53000.00} balance XXXX XXXXselect portfolio servicing. 
I have paid {>= $1,000,000} to my house for a {$260000.00} first mortgage and an {$82000.00} second. They say I still owe {$250000.00}! 

XXXX I paid {$160000.00} for a {$33000.00} mortgage I assumed {>= $1,000,000} for XXXX I was given. 
{>= $1,000,000} interest and {$0.00} to principal Less than {$700000.00} total principal and interest due leaves {$860000.00} for taxes and insurance and credit card balances of about {$250000.00} total. 
There is at least {$650000.00} missing. 
And I owe {$0.00}. 

Of that {$650000.00} XXXX owes me {$50000.00} XXXX XXXX owes me {$160000.00} the extortionists at Select portfolio servicing owe me {$230000.00} The current statement balance is {$210000.00} I already overpaid to the other two {$37000.00} i never owed and {$10000.00} paid to shortages.
Product: Checking or savings account

I want to know why I can't get a checking account open a account for government checks for ssi
Product: Checking or savings account

I've tried to link this account several times to my stock account and the bank is blocking it
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter to all 3 credit bureau 's Collections : XXXX. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX, Balance {$610.00}, Original Creditor Name XXXX CREDIT XXXX XXXX XXXX, Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX. THE BUREAUS Reported : XXXX. XXXX, XXXX, XXXX {$380.00}, XXXX XXXX BANK, XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX. XXXX XXXX XXXX Balance {$9300.00} Date Opened XXXX XXXX, XXXX, Original creditor : XXXX XXXX XXXX Closed / Charge Off : XXXX. XXXX XXXX XXXX XXXX Report XXXX : XX/XX/XXXX Balance {$76.00}, Credit Limit {$200.00}, High Credit, Available Credit {$120.00}, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX XXXX. XXXX Report Date : XX/XX/XXXX Balance {$1000.00}, Credit Limit {$750.00}, High Credit, Available Credit $ XXXX, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, Date of Last Activity, Date of First Delinquency XX/XX/XXXX XXXX. XXXX XXXX XXXX Report Date : XX/XX/XXXX Balance {$0.00}, Credit Limit {$150.00}, XXXX XXXX  XXXX XXXX {$150.00}, Date Opened XX/XX/XXXX, Date Reported XX/XX/XXXX, Date of Last Activity, Date of First Delinquency XXXX XXXX XXXX. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX, Balance {$610.00}, Original Creditor Name 12 XXXX XXXX XXXX XXXX, Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX. THE BUREAUS Reported : XXXX. XXXX, XXXX, Balance {$380.00}, XXXX XXXX XXXX, Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) I am disputing the validity of the above listed collections and closed/ charged off account. I request to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my wet signature. Name and full address of the original creditor. Payment history and itemizes billing to go with all collection and closed/ charged off accounts listed above. Proof of ownership from the listed collection company and the closed/ charged of accounts listed above. If you cant provide me with this information within 30 days, I demand that these accounts be remove from my credit report immediately as neither your agency nor I can verify that they are reported accurately. 
Sincerely, xxxx
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX , I checked on my credit report and saw reports in my payment history for this accounts XXXX XXXX XXXX {$320.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$0.00} I paid this accounts on time, I demand you to fix this error immediately.
Product: Bank account or service

XX/XX/XXXX I applied for a Citigold account online and due to issues experienced I subsequently continued the application process over the phone to which I was approved. During both the application and new account setup process I confirmed multiple times I was eligible for the promotion provided with the application. I completed all the promotional requirements in XX/XX/XXXX. I sent a secure message to confirm if I had met all promotional requirements to which I received a response from a XXXX XXXX XXXX stating in part " As per the details of your message you have met the requirements for the promotion for XXXX bonus miles. Thank you. 

The fulfillment terms for the promotion states " The bonus miles will be credited to your existing XXXX member account within 90 days from the end of the statement period in which you complete all offer requirements. '' To set your expectations, if all requirements were completed on the statement cycle that will end on XXXX/XXXX/XXXX, then the bonus miles will be credited by XXXX/XXXX/XXXX and will reflect during the month of XXXX XXXX. '' I waited until XXXX XXXX and still had not received the promotional bonus of XXXX XXXX miles to my AAdvantage account. I initiated an inquiry asking why I still had not received my points to which Citi responded stating an investigation had been opened. I have just received the results of Citibank Service request XXXX to which they have stated I am all of a sudden not eligible. This response, in my opinion, indicates Citibank agents knowingly promote false answers to obtain new accounts given the experience I had throughout the application and new account setup process with the multiple confirmations of eligibility and subsequent confirmation of having met the requirements XX/XX/XXXX only to deny this promotion after the fact. 
I would like Citibank to honor their promise of the XXXX XXXX miles to my AAdvantage account or I will be forced to shut down this account as I certainly can not bank with an entity that I have now lost trust and faith in their verbal and written words. 

Thank you for your time and assisting in these matters.
Product: Checking or savings account

Today   XXXX   XXXX . Active hours app stated the bank will not release information. My bank is with bank of the West. All I need is for them to show Active hours I got deposited money. I need this to be resolved
Product: Debt collection

XXXX XXXX XXXX {$950.00} has been added to my credit report and I have no knowledge of these charges
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion have reported unauthorized collections and hard inquiries on my credit reports.I havent giving them access to my credit profile to give to third parties with my private and personal information without my hand written consent under the permissible purpose by law stating that its okay to report on my credit reports they are reporting illegally inaccurate false information about me these three companies above is violating my consumer rights to privacy persuant to 15 usc 1681b. I want all negative items from my credit report removed.
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 or 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 ) ( a ) 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. 

Delete the accounts below : - Creditor Name : XXXX. Date of inquiry : XX/XX/year>.
Product: Credit card or prepaid card

Comenity Bank XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXX/XX/2023 fraudulent activity was reported via XXXX. Called several times to dispute the activity, a few times they hang up/ transfer me from person to person/ and now they won't answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My letter got returned.

po box on my report is an incorrect address. My mailing address is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX is correct.
Product: Credit card

This is a follow up to CFPB complaint XXXX. Chase Credit Card closed the complaint erroneously. I am attaching my letter back to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this claim regarding the XXXX XXXX credit card account ending in XXXX I have with Capital One in regards to the excessive amount of incorrect past due fees, increasing the credit balance thus have been incorrectly reported to the credit bureaus : XXXX, XXXX, XXXX, and XXXX XXXX XXXX. 

The following past due fees were assured to be removed by a supervisor I spoke with in XXXX of XXXX, since the Capital One dashboard would not let me add any type of payment card to make payment on-time : XXXX {$39.00} XXXX {$39.00} XXXX {$39.00} XX/XX/XXXX {$39.00} Total amount of late fees that were assured by Capital One to be removed : {$150.00} Capital One has not removed these late fees of {$150.00} and have incorrectly reported two missed payments to XXXX in addition to reporting the wrong balance of {$510.00}, causing my card to exceed the {$500.00} limit. 

Therefore, I would like the past due fees from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX removed from my account, making my total credit balance- {$350.00}. I came to this calculation by deducting the past due fees of {$150.00} from the current incorrect balance of {$500.00}. 
I would also like the interest expense adjusted accordingly. 

I have been trying to resolve this issue for months, each time I am referred to a different Capital One representative who assures me this issue will be resolve and I should see this reflected on my credit report within a few business days. 

Capital One has affected my ability to obtain new credit and has tarnished my personal and business credit reputation on the basis of incorrect information. 

I would like this issue resolved immediately as I feel this is very unfair as Capital One is at fault. 
Additionally, I have called Capital One on several occasions to switch credit card types-from the Capital One XXXX XXXX Card to the Capital One XXXX XXXX  XXXX Credit Card. Every time I call making this request, I am given the broad answer of " Unfortunately we can not switch your card at this time, because the system will not allow us too '', which does not provide a reasonable explanation to the hard inquiries ran on my credit report and I do not receive any additional information, including by mail, on the reason I could not switch my credit card type. 

Doing business with Capital One, personally or as a business has been very inconvenient and frustrating to say the least. I hope to shed light on this situation, so others can avoid similar situations.
Product: Debt collection

I have a hard inquiry on avio credit which was paid and settled by XXXX XXXX XXXX. They are still trying to collect
Product: Checking or savings account

Ive been getting scammed for almost 2 years and every time I report it, they will make me fill out a claim for an investigation then always deny it. 
So after seeing my whole entire check disappear, I called the fraud department. The same company that has been scamming me and took out XXXX XXXX and some change and I had to fight that. I requested for a new debit card twice and never showed up, and yes I even checked if it was my address and it was. They denied me for no reason, i requested documentation from them and they said it will take 5-10 business days and I never got it.
Product: Mortgage

Good Morning- Since XXXX my monthly mortgage has been {$720.00} every month with no changes until Shellpoint servicing took over this alone. Then it went up to {$930.00} due to forced lender insurance placed. Now that we have those charges lender placed insurance fees were refunded to my escrow, and an updated escrow analysis, my statement is showing that my monthly payment will be {$780.00} and that the escrow balance should be {$1100.00} ... when my XXXX property taxes were only {$460.00}. 
County Tax XXXX COUNTY {$460.00} XX/XX/XXXX XXXX According to the federal websites I am reading, Shellpoint should not be requiring more than 1/6 of a cushion in my escrow over what was actual due. 

There is no reasons my mortgage should continue to increase for another entire year and Shellpoint collect additional funds from my monthly payment to float in escrow that FAR exceeds my annuall property tax. My escrow should only be for property taxes and not other amounts of fees. 

They placed forced lender insurance after sending statements to the wrong address for months when I did indeed have insurance ... now it seems they are using the additional insurance fees in their escrow analysis calculations to increase my escrow unnecessarily. There has never been any lapse in any insurance coverage for my condo or through my HOA, so Shellpoint 's mistakes should not be used against me financially. Are they trying to increase my escrow to grain more capital? 

( 5 ) Cushion. The cushion must be no greater than one-sixth ( 1/6 ) of the estimated total annual disbursements from the escrow account. 

( ii ) Charges during the life of the escrow account. Throughout the life of an escrow account, the servicer may charge the borrower a monthly sum equal to one-twelfth ( 1/12 ) of the total annual escrow payments which the servicer reasonably anticipates paying from the account. In addition, the servicer may add an amount to maintain a cushion no greater than one-sixth ( 1/6 ) of the estimated total annual payments from the account. However, if a servicer determines through an escrow account analysis that there is a shortage or deficiency, the servicer may require the borrower to pay additional deposits to make up the shortage or eliminate the deficiency, subject to the limitations set forth in 1024.17 ( f ). 

Sincerely, XXXX XXXX property XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These Remark have been detrimental to my life and credit health.
Product: Debt collection

I have not made any communication with LVNV Funding LLC. However, I have attempted to dispute the trade line listed on my credit report ( XXXX XXXX, XXXX ) multiple times. when disputing the listed trade line, I have given multiple explanations informing LVNV of the error and a resolution that would be in their benefit. 

However, all three credit bureaus have informed me that the reporting is accurate by LVNV Funding LLC in which LVNV Funding LLC states they owe me a balance of {$620.00}. 

I requested a method of verification from the major credit bureaus about my dispute results and the investigation steps taken within the 15-day time limit ( FCRA 611 ). Multiple times I was informed that my request to get information about the investigation was marked as frivolous. Therefore, I am operating on the understanding that LVNV Funding LLC owes me a balance of {$620.00} that I have yet to receive.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days. 


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Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XX/XX/2023
Product: Prepaid card

I was gifted a Vanilla Visa gift card ( https : //www.vanillagift.com/ ) for {$500.00} from my previous company on Tue, XX/XX/XXXX and ever since the first use it has not worked. I left it go for a while and began calling the company ( number on the back of the card : XXXX ) in XX/XX/XXXX to get Vanilla to send me a new card. I can still see the card has the full balance on their website and they will not let me access funds! The company seems to all be based in XXXX and could be a total scam. 

I've listed my actions below : Called XX/XX/XXXX Was given a Visa vanilla case number. 
Said they would issue a new card via email within XXXX weeks Called XX/XX/XXXX Said there was an escalation error would take XXXX more weeks XXXX XXXX was the service agent 's name Called XX/XX/XXXX Spoke to an agent and then their supervisor and was told the card would be refunded by Check in the mail within XXXX weeks after giving out my address and email. 

Called XX/XX/XXXX Said the case was routed to the the " wrong '' department and that it is now with the correct department and should be reviewed within XXXX week Call XX/XX/XXXX -Said needs a few more days on the case -Said agent on last call created the wrong case Maximum 30 days Confirmed {$500.00} sill on the card XXXX- said to call back THIS IS A SCAM!!!! They are holding my funds with no resolution since XXXX ....
Product: Vehicle loan or lease

On XX/XX/XXXX I co-leased a XXXX XXXX XXXX at XXXX XXXX, today XXXX XXXX in XXXX XXXX, CA, without any problem or late payment for more than two years. Unfortunately, on XX/XX/XXXX this car had an accident and was totaled. The insurance made all the arraignments and paid Kia Finance a total of {$15000.00} on XX/XX/XXXX supposedly for the full payment of the car and covering all the expenses owed. Until XX/XX/XXXX we received an email from my credit card company saying that there was a change on our credit report and to our surprise there was still a balance on the Kia Finance account of {$280.00} dlls money owed for a car that was no longer in his possession since XX/XX/XXXX and that XXXX XXXX assured that the account was cleared. XXXX XXXX paid what was requested from KIA FINANCE but it seems that a balance was left unpaid and we never receive any letter requested by mail, email or call. To end this situation, we paid the balance of {$280.00} on XX/XX/XXXX but the damage to his credit was already done. 
We made calls and sent letters to Kia Finance clear this out, that I was never late in any payment but the company denied to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, Consumer XXXX XXXX have unauthorized inquiries present in my consumer report that originated from identity theft.15USC 1681c-2 states that consumer reporting agencies must block any information in the consumer 's report derived from identity theft. Unauthorized inquiries include : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX- XX/XX/XXXX 4. XXXX XXXX- XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX is reporting an open date of XX/XX/XXXX, XXXX and Equifax have an open date of XX/XX/XXXX. XXXX  XXXX BANKRUPTCY XXXX  Reference # : XXXX Closing Date : XX/XX/XXXX, XXXX Reference # : XXXX Closing Date : XX/XX/XXXX, Equifax Reference # : XXXX No Closing Date provided. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX and Equifax considered to be furnishers? These accounts do not belong to me and XXXX, XXXX and Equifax have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Product: Credit reporting or other personal consumer reports

Issue not resolved. Refused to remove the negative items