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

I applied for a loan with Spotloan on XX/XX/XXXX. They approved me for a {$500.00} loan with a lengthy repayment schedule and high repayment amounts. I called Spotloan to ask about the interest rate and how my payments would be applied to repaying the loan. I wanted to make sure I could pay it off quickly. I did not want to make payments til XX/XX/XXXX like the payment schedule showed. But I didnt know how my payments would go towards the principal and interest. 

The representative told me he couldnt tell me until after I had the loan. He said he couldnt see my interest rate and didnt know how my payments would be applied. He said I had to call back after I had paid he loan. So I waited and called back. Another representative told me I was being charged interest daily! The interest always made the amount owed more than my payments. Every time I made an online payment, my balance got higher. Furthermore, the balance they would email me didnt match the balance when I logged onto my online Spotloan account. 

My plan of paying this loan off quickly was ruined by the way they are handling the interest. I never would of accepted the loan if I knew my payments werent going towards paying off the loan. The should of told me upfront. They also need to let me know my actual balance and not give me conflicting information. I want to resolve my debt with this company. But I also want to report their deceptive practices. 

Thank you
Product: Credit card or prepaid card

XXXX XXXX XXXX card. In XX/XX/2021 I had to have the card replaced and since the my reward points are accruing but I am not able to redeem them. I contact them in XXXX and was told this is a known issue they needed to send it to a management team and my rewards should show up in 1 to 2 billing cycles. Called again when the rewards were still not available for use the end of XXXX/beginning of XXXX Was transferred around between the bank and amazon with everyone telling me it was the others issue. Finally spoke with a manager again was told that the request would be submitted again with apologize of course and told again 1 to 2 billing cycles. Speaking with them again today XXXX and all any one can do is submit the form again. This is my 3rd call and going on 6 months trying to get the rewards that they are saying I earned. My rewards balance as of XXXX is XXXX. No one is willing to call me back to let me know that it is resolved just that I will have to call back in 2 months if it is still not cared for.
Product: Debt collection

THIS IS A MOBILE PHONE AND IS UNLAWFUL TO CONTINUE TO ROBO CALL THIS NUMBER AND I AM NOT AFFILIATED OR KNOW THE PERSON THEY ARE CALLING
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by XXXX, XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1. Last activity, 2. Balance, 3. Date opened. 4. Last payment date and 5. Closing date which is inaccurate. Therefore, this item must be deleted as per section 168 FCRA. Discrepancies among credit bureaus are listed below. 
Name XXXX XXXX Equifax Last activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance $ XXXX $ XXXX $ XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closing Date XXXX - - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Checking or savings account

On XX/XX/20 I was prompted to update personal information so that my new Citi Bank Mastercard could be sent to me prior to its expiration date. I followed the prompts and at the end of the process I had somehow opened a Citi Accelerate Savings account ( ending in XXXX ) that I did not want. The whole process was very deceptive. I have been trying since XX/XX/20 to call Citi to cancel the account but Citi doesn't answer any of their customer support numbers.
Product: Credit reporting or other personal consumer reports

I have a Bankruptcy Reporting on my Credit Report that is reporting inaccuracies, The chapter that was filed is incorrect and the Dates is incorrect, And the status of it is incorrect. I will be sending Documentation of correct information from my attorney and I will like this inaccurate information deleted immediately because I have tryed to fix this and the issue has not been fixed and all my rights are being violated due to the FCRA, The Bankruptcy is Ref # XXXX
Product: Mortgage

After Hurricane Ida, my wife and I were offered to defer our mortgage payments by Carrington, as our house was destroyed in the storm. Carrington then reported that 3 payments were then late and our credit has been decimated by it. We have paid everything else on time and don't think it's fair our credit rating is so bad now through the mistakes made by the mortgage company.
Product: Debt collection

I have contacted Portfolio Recovery Associates on numerous occasions by email and usps asking for then too verify that they legally bought accounts bearing my name. To date the only response is a copy of a statement that does not even show my legal name. I have asked 6-10 times for a contract showing that this company owns any account showing my legal name, they 've never showed me any sales agreement showing my legal name, account numbers, or my SS #. They have not provided any evidence that any accounts they purchased included my legal name or account numbers, this is in clear violation of Kentucky collection laws. 
Kentucky law states that a statement describing the complete chain of title from the original creditor to the present creditor, including the date of each assignment, sale, and transfer ; and records reflecting the amount and date of any prior settlement agreement reached in connection with the debt pursuant to section 1.5 of this Part. 
This information needs to be completely removed from all credit reporting agencies since Portfolio Recovery Associates has not followed proper collection laws.
Product: Mortgage

To Whom It May Concern, I am writing this letter of plea for assistance. My mortgage company has not been cooperative with obtaining my payoff. I requested a payoff and never received the payoff information as requested. Instead my lender contacted me asking me did I want to refinance. I told him I was selling the house and I need an active payoff. I never received a response from him when I asked to have a conversation. 

The mortgage company said they sent the letters out, but we never received any of the information stating that we had received any of the letter stating that we were being foreclosed. I requested a pay off in early XXXX XXXX of XXXX. My lender, XXXX XXXX, messaged me on XX/XX/XXXX to say, Hey XXXX, We got a payoff notice. Are you wanting refinance or sell the House? Would you have a few minutes to talk? XXXX XXXX -NMLS XXXX. I replied, Hey XXXX. Im selling the house. We can still have a conversation. I never heard from him. 

My title company requested a payoff early XXXX so that we would be able to close ; however, we get a notification before closing that the payoff was never received. I called the mortgage company and the young lady said she had record of it ; however, Land Home Financial and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX office are both stalling. I had a buyer for a my house and it was supposed to close on XX/XX/XXXX. The house was supposed to close, but it was still stalling because they will not give a payoff. 

I requested assistance with my foreclosure packet and never received assistance. Land Home Financial ended our calls several times when I asked for help. I am not sure what to do because they are being uncooperative. Will you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. These actions violated my rights. 

ACCOUNT - XXXX # XXXX 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 an account without my written instructions. 

The Credit Reporting Agencies stated the account was properly investigated but these items in my attached credit report show different.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were discharged from our chapter XXXX bankruptcy in XX/XX/XXXX. We realized in XX/XX/XXXX that our mortgage was not showing on XXXX and Experian credit reports when we tried to apply for a safe tub. It was showing only on the XXXX report. I called the bank. They sent me a letter dated XX/XX/XXXX, to forward to both credit bureaus. 

My wife and I called both credit bureaus several times and wrote letters. I spoke to the representatives and informed them I had sent them letters pertaining to our mortgage not showing on our credit reports on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I told the representatives they did not respond to my letters. They said they had no file for my wife and me from XXXX XXXX XXXXXXXX XXXX XXXX. I told them we sent them three letters with the date I previously sent it on the top and the letter dated XX/XX/XXXX, and XX/XX/XXXX, had the response from my bank. I told them it was showing on XXXX and they never responded. Please advise.
Product: Vehicle loan or lease

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$10000.00} pursuant to FCRA 616 ( a ) ( I ) ( B ) [ 15 U.S.C. 1681n ].
Product: Money transfer, virtual currency, or money service

I used this new app call Xoom, an extension of XXXX for international transfer. I transferred XXXX $ from my XXXX bank account to my daughter XXXX account, she is a student there, the fund were debited from my account but never credited to hers. Its been 3 weeks of back & forth, they show me some sort of proof of credit in her account but she never got anything. Per their request, I have been sending them her bank statements showing that its not there, I did it 3 times already, but each time they got back to the same generic email, saying that its been delivered!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XX/XX/2022 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 UTAH XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX The following personal information is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a late reporting on an account that has a {$0.00} balance. This false reporting of a late is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is paid in full student loans are n collections addresses are incorrect social security numbers wrong numerous credit cards ran
Product: Checking or savings account

Attempted to use my card on XXXX XXXX and got declined. Received an email saying my debit card is suspended. 

Called Citi. Agent said there was nothing she could do. Ridiculous.
Product: Credit reporting or other personal consumer reports

I've recently pulled my credit report and have noticed a few inquiries that were not authorized. I've been a victim of identity theft and have filed a report with FTC that I will attach. The following inquiries were not authorized ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Amex is holding my amount of credit, which Im in my 50s, against an additional card holder on my account, who is in there 20s, She was nvr approved for tht credit amount nor shld it be held against her but it is!! That should not be legal - I hv my child as an additional card holder under my account w a credit limit of {$1000.00}. Yet under credit reporting thy r holding my avail credit amount of {$30000.00} against her even though she ws never approved for that amount of credit. She was denied a loan because of it - CC companies should NOT allowed to hold the credit amount of the main card holder against add card holders for credit reporting reasons!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Product: Money transfer, virtual currency, or money service

I open a account with XXXX dollars in XXXX at Bank of America which the closed the same day I opened it never gave me a reason why they closed the account they just told me they sent out the check but I have yet to receive the check and we are in XXXX going to XXXX i have called 7or 8 times since XXXX all they keep telling me is to call back the next day
Product: Credit reporting or other personal consumer reports

Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit card or prepaid card

Account in good standing, customer for over 17 years, over $ XXXX credit line. Received e-mail yesterday XX/XX/XXXXXXXX  that they were going to close my account. Citibank states that they pulled my credit report from XXXX in XX/XX/XXXX and decided to close my account. Pulled three bureau credit score, all shows credit score over 800 and no issues. Called Citibank this morning to ask what was going on and was told the above.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the COVID-19 pandemic, Capital One bank maliciously and intentionally misreported balance and payment owed ruining my credit history. Theyve repeatedly refused to correct this despite 16 emails, 8 phone calls, 4 certified letters. In XX/XX/2020, payments made in good faith to capital one under business corporate card did not go through twice due to insufficient funds financial hardship during COVID, Capital one then closed the business account and personal account. I did not owe any money at all on the personal account ending in XXXX because I deposited {$500.00} for a security deposit and additionally received a merchant credit of {$840.00}. Capital one has fraudulently claimed the {$500.00} security deposit as money owed to them and is actually charging me interest and late fees on my very own money I entrusted in them. This card was initially {$500.00} secured credit card but due to a merchant crediting me {$840.00} the secured credit line was {$1300.00}. Capital one has taken these funds and claimed as their own further charging interest and fees on MY OWN MONEY. In the process have desecrated and maligned my entire financial history Ive tried to rebuild due to their fraudulent reporting and illegal charging throughout a pandemic. Ive requested for over a year now to rectify this
Product: Debt collection

Haven't heard anything in almost XXXX years and now I receive letters again from the debt collector although payment was made in full to original lender.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$XXXX} XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Balance : {$XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously filed a complaint against Equifax with an attached Equifax Annual Credit Report. In that report it is not showing the actual payment amounts for each month. 

I was not able to get an Annual Credit Report from Equifax and had opened many complaints everywhere asking to be able to access my Equifax Annual Credit Report, and this was the case for nearly two years, to suddenly about two months ago I was again allowed access. 

I find that after using the Equifax credit report in a CFPB complaint to point out incorrect and missing payment history, that soon after the Equifax Annual Credit Report is now not showing any actual payment amounts made to the creditors. That whole section of the reports are no longer shown in the most recent Annual Credit Report, when it is THE report that's used to see the actual payments made.
Product: Credit reporting or other personal consumer reports

These Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were done fraudulently without authorization and consent. Please Remove Immediately.
Product: Mortgage

My loan was cleared to close and my mortgage company sent me mydisclosuress. I looked everything over, signed them and returned them. 3 days later I get an email with another set of disclosures with about $ XXXX more in loan fees. They claimed I changed the loan terms to cash out and raised ltv. Nothing changed on our end from the original disclosures I signed numerically to the second set they sent with the fees doubled. I was finally told someone made a mistake on the rate lock and I 'm paying for it. I was forced to close the loan as it was for permanent financing and I absolutely had to close. I spoke to an attorney and I was advised to file a complaint here.
Product: Credit reporting or other personal consumer reports

This company is furnishing and reporting negative, inaccurate and fraudulent information to my rental history reports. This company is reporting negative information on my report in reference to properties that I have never lived in nor been associated with. They are reporting fraudulent, negative information with incorrect names, dates of birth and inaccurate social security numbers on my rental history reports. This information does not belong to me. These errors have caused me to be wrongly denied for rental applications. This company should remove all negative accounts from my rental reports immediately.
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 : XXXX XXXX XXXX  : Account # XXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Issue Credit Reporting company 's investigation : Problem with statement of dispute Initially I sent the bureaus letters about inquiries, about inquiries that I have not authorized. The credit agencies have failed to provide the creditors permissible and signed authorization that I have initiated excessive inquiries. 
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