23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I am self employed and I started having health problems and still am to this day under several doctors care. I lost my income and i wasnt able to pay the monthly installments. I tried to work out something else and they refused. Kept calling with threats. Today i get a call claiming it was a courier trying to deliver a letter thaf i had to sign. then called friends and relatives. I called back to see what they were talking about and the guy said i owed XXXX dollars on a XXXX dollar loan. I said really do you think I got that kind of money. He said he wasnt going to argue with me. he threating to take me to court. i told him that was predatory lending and the amount was ridiculous. He keep gettin smart so i hung up. then a few minutes later he called back. my number is on the do not call list but they keep calling. The company is Spotloan
Product: Mortgage

We are currently paying Mortgage insurance. We have had the loan for over 6 years. The loan originated sometime in XX/XX/XXXX/XX/XX/2013. According to everything I have read, the MIP can be eliminated after 5 years if the LTV is less than 78 %. The appraised value of our home, as noted on the loan, was {$530000.00}. I originally tried to have it discontinued after after 5 years as that is what I was told when i got the loan and the house appraised at $ XXXX. I was told the law changed and it was now 10 years. I recently looked up the law myself and discovered it was still 5 years for loans that originated beforeXX/XX/2013. I applied to have it discontinued and was told the LTV is greater than 78 %. We currently owe {$340000.00}. By my calculation, that makes the LTV 66.84 %. When I called the company, they told me it was becasue you have to wait 10 years. I cited the law. They said, " Owe, sorry, our mistake ''. Then they said it was because I had late payments. I have not had a single late payment although there is a line on my history of payments that says " fees for late payment '' but the line is {$0.00}. I printed the report. Then they told me it was the LTV again. But when I ask them the value of the home and the payoff, they say that there is a clause or something that they won't share that make the LTV greater than 78 %. I have called several times, every time we go through the same process of them claiming the three different reasons and when I accurately refute them all, they tell me that someone will get back to me. At this point, we have paid well over {$4000.00} in MIP that we should not be paying. I don't know how to get rid of this without hiring an attorney that would just cost more money.
Product: Vehicle loan or lease

My XXXX XXXX credit score with all 3 major credit agencies on XX/XX/XXXX was around 810. I  understand companies can use different models and the score can differ slightly - slightly being the key word. When I financed my application for loan with Hyundai Motor Finance on XX/XX/XXXX, they used a score of around 769 for me. That score of almost 50 points lower is ridiculous and would have caused me to get a significantly higher APR. Such unethical practices must harm so many customers who trust Hyundai 's name. Such a big score difference for a person with an otherwise excellent credit history can be damaging financially, but for someone with moderately good credit, it could result in predatory terms of loan or rejection of credit altogether, which could be a fair lending concern for persons of XXXX like me.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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
Product: Debt collection

I received a letter from Credit Management Company about a bill from XXXX2021 for {$310.00} that I had no clue about, I never received a bill for this debt.
Product: Credit card or prepaid card

In my XXXX statement it clearly stated I needed to pay XXXX by XX/XX/XXXX to avoid any interest on my promotional balance. I paid {$510.00} on XX/XX/XXXX over the phone with XXXX of their representatives. Now my XXXX statement has interest of {$860.00}. I called their customer service and my calls were dropped multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a large amount of hard inquires on my credit report with each credit report agency. I can verify the ones I consented to but I don't have knowledge of the others. I have not given my permission to check my credit. Unfortunately I am in the process of a divorce and my soon to be ex has been very free in the past with my personal information to obtain credit. I'm frustrated and I have been working hard to get my credit back to good and this is a huge set back. Can you please help. their customer service would not help and take care of the negative inquiries reporting to your credit bureaus. 

My name is XXXX XXXX XXXX  has the following : XXXX/XXXX-XXXX XXXX XXXX XXXX   TOWER LOAN-XXXX XXXX ( 3 DIFFERENT TIMES ) XXXX XXXX XXXX   XXXX/XXXX XXXX/XXXX XXXX has the following : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX has the following : XXXX ( 3x 'S ) XXXX XXXX  XXXX XXXX ( 2'xS ) XXXX/XXXX TOWER LOAN
Product: Checking or savings account

My account has been locked for over 2 weeks. Daily calls to the bank do not result in resolving the issue. The bank denied me an interpreter and discriminated against my XXXX and issues with my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I procured a credit report with XXXX XX/XX/2022 and after getting a copy of my report, I called Experian because I saw some UNVERIFIABLE items on my personal profile which are UNKNOWN to me Name : XXXX XXXX XXXXThis name is not MINE, Please remove as Per FCRA 605B. Addresses : XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXXThis address isn't mine I didn't live here, please eliminate the fraudulent address. Account : XXXX XXXX XXXX XXXX : $ XXXXPlease block and remove this account from my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these items areinadvertently resulting in me being extorted.
Product: Mortgage

my uncle and i just refinance our home select portfolio has frauded against us by not applying correct payments to mortgage account and escrow.now we have new mortgage company just bought our account from select portfolio servicing.our payments each month were not applied to mortgage loan properly by select.now select has threatned me not refund escrow account then select added extra fees to payoff account that origanaly at XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars.select added extra fee to pay off at XXXX XXXX XXXX dollars  we been making payments each month to select their payoff were at XXXX XXXX XXXX XXXX XXXX dollars.now select has mail letters to my uncle and i stating payments are recieve before XXXX XXXX of each month late fees are waived now since new company XXXX XXXX  has payed select XXXX XXXX XXXX XXXX and select agreed refund escrow account we also made payments each month to select now since new lender paid select.they threatned me by phone of no escrow refund and extra fees.in the payoff select frauded extra fees from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX i want your agency investigate select bad faith practices of hidden extra fees outstanding intrest and priciple higher rates and select violated fix rate terms the loan were under and now doesnt want agree on XXXX XXXX XXXX XXXX escrow refund which were in the payoff agreement select offer to do select has history of fraudulant practices towards their customers and complaints history of the same issue i am experiencing
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX   XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I deposited a check through the mobile app, actually 2 checks, and they closed my account both the savings and the checking, when I recieve my money I dont recieve the amounts of the two checks, I go to the bank I they say they are going to hold the money until the person who wrote the check comes to a BRANCH, this person is outside of the Country! And he cant come in!, He made The manager of his Bank, make a letter confirming he was the one making the check so please release the funds, and they havent done any of this!
Product: Debt collection

Almost 16 or 17 years ago I obtained an auto loan from Santander. After a few years the vehicle needed constant repairing and I was financially unable to make repairs and pay the loan ; therefore, I requested that the company pick up the car in XXXX or XXXX. I received notice that Santander sold the vehicle and I was responsible for the remaining amount which I did not dispute. After I few years I was contacted by XXXX XXXX XXXX concerning the Santander debt. The collection was filed in a Georgia court and through the court the debt was paid. The final payment was made in XXXX, 7 years ago. Since paying off the debt, I have received calls from at least three different collection companies ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) just to name a few, for the same debt that is not only past the statue of limitations but also paid in full. At this point I feel harassed and very disturbed that my privacy is being violated in that my personal information is unnecessarily floating from company to company. Also, with each call I have to prove that this debt is paid which is tiresome and inconvenient.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the XXXX  accounts listed below has violated my rights. 

XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX- XXXX XXXXXXXX XXXX XXXXXXXX. Acct # 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. States a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My account number is XXXX. Last four of my SS # is XXXX. I would like to file a claim of FRAUD and in addition XXXX XXXX failure to comply with all of the requirements under 1026.7 ( b ). I paid off the credit card a long time ago and never used it since. I never looked at this account since I NEVER USE IT! I have NEVER RECEIVED ANY CALLS FROM XXXX XXXX NOR ANY BILLING STATEMEMENTS ( electric or paper )! I can provide proof via my email history and cell phone records. 

The charges on this account are fraudulent and are not mine! Please that this as a FRAUD dispute and comply with the requirements set forth under FCRA. Next, XXXX XXXX is in violation of all the requirements of 1026.7 ( b ) considering I have never received any means of a billing statement. 

I have been in the hospital with XXXX  for a while and recently was released and can now address this matter. 

I Demand XXXX  XXXX REMOVE ALL NEGATIVE CREDIT HISTORY FROM XXXX, XXXX AND XX/XX/2020, RESLOVE THIS BALANCE AND CLOSE MY ACCOUNT AT MY REQUEST!
Product: Debt collection

Repeated calls being informed that they are trying to serve me some legal documents. Misrepresenting themselves and leaving threatening voicemails. Constant and frequent calls with none on the other end and ghost calls to relatives. Cease and desist emailed and faxed. I have XXXX XXXX and they are stressing myself and my XXXX year old mother.
Product: Credit card

I applied Bilt Card on XX/XX/year> and got approved. They send the physical card on XX/XX/year> according to date on mail. I received this card and confirmed it. 
However around XXXXXX/XX/year> this card is closed and I didn't receive any notice before that or after its closed. I find this trough app. 
I called bilt to ask why they closed it, they said that they required additional information ( confirmation of my address ) and deadline passed so it's closed, and nothing they can do now. 

First, I didn't receive any such request about confirming my address ( mail/email/text/phone ). 
Second, they told me they sent this and place my account on hold on XX/XX/year>, that's before they even sent this card. 
Third, they sent the card to the exact address that they want to confirm, and I received this card and confirmed this card through app, which could prove the address is mine. 

I didn't receive anything, either requests to upload documents or warnings about closing my account, and I could only know this after they closed my account and I called them. However they couldn't do anything after account closed. 

Based on these evidence I do believe it's their system 's fault, and I got suffered my credit score and didn't even use it for a month.
Product: Checking or savings account

The overdraft fees are awful, sometimes twice a day ( XXXX just recently on XX/XX/year> ). I had money in my savings, instead gaining interest, it dwindled down from " monthly fees ''. I got hacked so many times, and they would lock the card on my end so I couldn't use it, but the hacker could freely drain my account. The only nice thing is the app. All the fees associated with this bank are ridiculous. When I contact them, I just get the runaround or excuses. I'm currently involved in a lawsuit regarding the overdraft fees and filed a review with the XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB, XXXX XXXX XXXX has crossed the line into intentionality and recklessness, they are making false credit reports damaging my credit reputation and causing lenders to deny me for their errors on my credit report.

I have disputed these errors for over a year and a half on many occasions and Ford continues to fail to correct the glaring errors that I have pointed out to them that exist at XXXX and XXXX. 

Please dear Ford, have the professionalism and ethical ability to fix the errors you mentioned and listed below, I have the right to a 100 % accurate report, ( THE LAW REQUIRES IT ), it is very important to me and I would not accept anything less than that, 99 % is not 100 %, the law says that every account reported to the ( CRAs ) must be 100 % accurate and verified.

Account name : XXXX XXXX XXXX Account number : XXXX Date Opened XX/XX/XXXX Status Paid, Closed. 

Errors : 1-You report in XXXX and XXXX the opening date was XX/XX/XXXX, but in the PAYMENT HISTORY, the first report is from XX/XX/XXXX. This is contradictory, the payment history does not report anything for XX/XX/XXXX. Is the opening date incorrect? Is the payment history incorrect? Which one is correct? Please correct this or delete the entire account.

2-why did you block or DELETE BALANCE HISTORIE?

Why don't you report the balance paid month by month from when the account was opened until it was closed?

Why don't you report the scheduled payment every month from when the account was opened until it was closed?

Why don't you report how much I paid each month from when the account was opened until it was closed?

Please provide all these details mentioned in the Balance History or delete the entire account 3-In the payment history, you
have ND ( which I understand means No data ) for the months of XXXX, XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX. Why do you not have any data for these months? Why is the data missing? Please correct all the data or delete the entire account.

4-Why is there no recent payment reported in XXXX? This space is to be filled in, not left empty. Enter a recent payment or delete the entire account.

Please CFPB and FORD, so that my account is one hundred percent accurate and verified, these accounts have been paid in full and have errors that directly affect my financial health, so be 100 percent accurate or delete the entire account.

I am attaching evidence directly from the XXXX report where I demonstrate the errors mentioned. It is worth mentioning that this account has already been removed from XXXX for not complying with the FCRA. 

Sincerely XXXX XXXX XXXX XXXX
Product: Bank account or service

Summary : On XX/XX/XXXX, USAA, our bank of 24+ years, suddenly and without any reason given, closed our savings, checking and credit card accounts. It took filing a complaint with CFPB to finally get a reason, which is a case of mistaken identity or possibly stolen identity. Regardless, after dealing for 2-months with USAA to get our bank statements, we discovered that they did not keep our auto-payment for the credit card in effect so now they are charging us finance charges and late fees, which we want removed. 

XX/XX/XXXX. I went to deposit a check and could n't get online. I called USAA 's help line and was informed that our bank accounts and credit cards were closed and that I 'd have no online access to and records, statements, insurance documents, etc. No reason was given for cancelling our accounts after 24 years of being a USAA member. We were told we 'd get the money from our accounts in 30-days, the reason for that long was they would handle all charges, credits, etc. 

Accounts effected : USAA Visa Card USAA Savings Account USAA Checking Account USAA Line of Credit USAA Homeowners Insurance USAA Auto Insurance USAA Life Insurance Policy for XXXX USAA Life Insurance Policy for XXXX It 's important to note that all our billable accounts were set up for automatic payment from our USAA checking and/or savings accounts. This had been the case for at least 10-years. 

XX/XX/XXXX. We finally received our checks, much longer than 30-days that we were told. We received no statements, no invoices, no bills, and no documentation for any of the above accounts, as all were set up for electronic download. But since I could not get online to retrieve, we had no way to balance our accounts and had no idea what may have been paid or what was n't paid. We received no phone calls or messages or email communications during this period. 

XX/XX/XXXX. I contacted USAA to request statements. I had to contact each department separately - banking, Visa card and insurance. They could not email me, only fax or mail. I received some statements but not all so I had to contact them again to send all statements so I could reconcile our accounts. 

XX/XX/XXXX. After finally receiving the hard copy statements, I manually entered in all charges into our accounting software ( XXXX ). Previously, this was all accomplished via downloading transactions. By the time I entered in all the transactions and reconciled our accounts ( 4 days ), I realized that USAA did not pay the credit card via auto-pay. No phone calls, no communication at all from USAA. But what our Visa statement did include was finance charges and late fees for three months. In addition to the Visa card typically being paid via auto-pay, I would also transfer into the checking account money from my business ( reimbursements for expenses and salary ), which was n't possible because I had no online access. We also have more than {$1000.00} worth of XXXX ( from Visa charges ) that could be put towards any balance, but was n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Attn : CFPB This delinquency originated at the end of XXXX, and therefore should be off of my credit report. They need to provide the original referral for collection with the lease. If they can not provide this, per FCRA they must remove this from my credit file. 

XXXX XXXX XXXX
Product: Debt collection

Via phone calls requested proof secondary insurance was billed. Also requested proof they billed in the mandatory time frame. The refused. 
XXXX verbally stated via phone calls they have no record this claim was received to cover any/all of this balance after the portion paid by Primary insurance, XXXX