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

On approximately XX/XX/2022 I applied for a {$500.00} loan from Spotloan.com and was approved. Spotloan sent me an email confirmation for my loan along with my proposed payment schedule which consisted of 20 payments for {$95.00} and 1 final payment of {$94.00}. My first payment was scheduled to be billed on XX/XX/2022 and I had the payment set up to come out of my checking account. 

On XX/XX/2022 I called Spotloan to find out my early payoff balance. The customer service agent I spoke to told me that if I pay off the entire balance in full on this day the total amount owed would be {$530.00}. The customer service agent asked me if I want to go ahead and proceed with paying off the loan today. I told him yes and he said that due to the holiday weekend that the payment would not come out of my checking account until XX/XX/2022. I asked the agent if I would have to pay any additional interest, and he told me no the final amount would be {$530.00}. So, after the agent reassured me I would not be charged any extra interest I authorized him to bill my checking account for {$530.00}. 

On XX/XX/2022 I noticed a charge on my checking account for the amount of {$95.00} so I called my Credit Union to find what the charge was for and my Credit Union told me the charge was from Spotloan.com. Spotloan was closed on XX/XX/2022 because it was a Saturday so I waited until XX/XX/2022 to call them because XX/XX/2022 was XXXX XXXX so I knew they would not be operating for business. 

On XX/XX/2022 I called Spotloan and spoke to one of their customer service agents. I asked the agent why I was charged {$95.00} extra when I payed off my loan in full on XX/XX/2022. The agent told me that because all of the banks were closed on Monday they billed me for {$95.00} on XX/XX/2022 and because the charge was already pending it was irreversible. I explained to agent that this was unfair because I paid off the loan in full the day before and he told me that's just the way it is and there is nothing he can do about it. 

So, I demanded to speak with a supervisor who told me that because the banks were closed on Monday their system automatically generates a payment request to the banks a day early because Saturday and Sunday are not business days. I told the supervisor that this does not make any sense because my payment wasn't scheduled to come out until XX/XX/2022. The fact that Spotloan billed me on XX/XX/2022 instead of XX/XX/2022 means they did not honor the terms of our contract. 

The supervisor would not acquiesce my request for a refund and he gave me a confusing explanation as to why they had to bill me before my billing date. I ended the phone call not understanding the supervisor 's explanation, but knowing that I had just been scammed.
Product: Credit reporting or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my EQUIFX Credit Report and I am refilling this complaint. I am not sure if you have conducted a thorough investigation as I have requested for so many times and they seems ignoring my request and not taking action. I have included my FTC report to support this complaint with the report number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

UNKNOWN INQUIRES MADE ON MY CREDIT REPORT, I CONTACTED THE COMPANY AND THEY ARE NOT WILLING TO REMOVE THE INQUIRES.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and XX/XX/2022 I contacted the following Credit bureaus XXXX, and Transunion by U.S. Postal Service Certified Mail Receipt. 

At that time I requested all documents that they used to verify the following inaccurate accounts that they placed on my credit report. XXXX XXXX XXXX XXXX ACCOUNT NO. XXXX AND ACCOUNT NO. XXXX on XXXX credit report this action was taken on XX/XX/2022. Also on my Transunion credit report account no : XXXX. 

I was instructed by the credit bureaus XXXX, and Transunion to contact the creditor XXXX XXXX directly and request these documents that were used to verify these accounts, upon speaking to the XXXX representative XXXX he explain to me that there were no documents that the Creditor just called and requested that the accounts be reinserted to my credit file and it was placed back on my file this is a BIG .... VIOLATION, no proof or documents were ever presented, this is XXXX in the biggest way by the creditor and the credit bureaus. 

I also reached out to the creditor XXXX XXXX and requested all documents that they furnished the credit bureau to certify these accounts. XXXX XXXX, XXXX and Transunion never responded to my request they never furnished any documents that prove these account were verified .... they are both in violation, they both failed to furnish me with the so call documents that they used to verify these accounts. 

According to the FAIR CREDIT REPORTING ACT SECTION 15 USC SEC 1681 ( A ) states that if you can't provide proof .... these accounts must be deleted I request that these accounts be deleted if they are not 100 % accurate. No proof was ever provided from the creditor nor the credit bureaus XXXX, and Transunion so these accounts must be deleted.
Product: Debt collection

I am writing to formally dispute the collection account listed on my credit report ( s ) under your collection agency 's name. The account in question appears as [ XXXX ] and was reported on XX/XX/2023 by XXXX. I have zero knowledge of this account.

Pursuant to the Fair Credit Reporting Act, specifically Section 1681b, I am exercising my right to request validation of this alleged debt. I kindly ask for documentation that proves I am legally responsible for this debt, including but not limited to : 1. A complete account history demonstrating the original creditor 's agreement or contract bearing my signature, affirming my obligation to this debt.

2. Verification of the validity and accuracy of the debt amount claimed.

3. Details on the original creditor, account number, and any pertinent documentation that confirms the legality and ownership of this debt.

Please note that failure to provide the requested validation within 30 days from the receipt of this letter will result in my expectation for the immediate removal of this collection account from all credit reporting agencies in compliance with the FCRA.

I am aware of my rights under the Fair Credit Reporting Act, and I am prepared to take appropriate legal action should this matter not be resolved satisfactorily.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit profile from NAVY FEDERAL CREDIT UNION with the account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S. code 6802. For example, my name, social security number, and date of birth. Only a signed contract between me, the consumer, and NAVY FEDERAL CREDIT UNION would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 
Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless the such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) the such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to a such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


I have not received any debt validation notice from NAVY FEDERAL CREDIT UNION as they were lawfully required to provide to me, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that NAVY FEDERAL CREDIT UNION has sent a debt Validation Notice to me, the consumer. Written and verbal communication directed via FDCPA was not provided to me, the consumer ; allowing me to properly dispute this invalidated debt.
Product: Credit card

I purchased a flight through XXXX on FNBO 's XXXX credit card on XX/XX/XXXX, however needed to cancel. XXXX only provides an online XXXX XXXX customer service so that did not resolve anything. I called FNBO to dispute it on XX/XX/XXXXXXXX They assured me that they will investigate. This dispute was resolved on XX/XX/XXXXXXXX  in my favor, per the statement. On XX/XX/XXXXXXXX they are now claiming that they could not get in touch with the vendor and that it would be up to me to resolve it. They added the charge back onto my account with interest on the time they spent to resolve it. Now they are making me pay for something that was originally resolved, with additional interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX  XXXX {$3700.00} XXXX XXXX XXXX {$1200.00}
Product: Mortgage

Mortgage payment check was mailed via Post office XX/XX/XXXX for XX/XX/XXXX due date with XX/XX/XXXX grace periodXXXX XXXX claims check was not received and processed until XX/XX/XXXX, requiring a late fee of {$38.00}. They do not permit any courtesy waiver of late fees despite two calls today to a representative of company and his supervisor, " Shy. '' On or about XX/XX/XXXX, concerned that check had not yet cleared, I called a company representative and discussed my concern and was told I should wait longer for check to clear as delay could be due to Post Office or interior processing system. The call was to be reported and available should a late fee be assessed. I assumed they would honor my efforts to mitigate the problem. I promised that I would thereafter no longer mail checks but pay directly on line. There have been no other payment issues since I have been with XXXX. I paid XXXX 's mortgage on line today on XX/XX/XXXX, when I discovered that a late fee remained. 
Today, the company claims that my XXXX conversation was not on file as I was told and that it occurred later than my date of XX/XX/XXXX or thereabout. This response does not fit my recollection, as I was told to wait several days longer and the check finally cleared on XX/XX/XXXX. 
I considered problem solved until today. I have learned that XXXX claims it is not a bank and is only a servicing company on behalf of Bank of America and can essentially make its own rules about consumer affairs regarding late fees. 
I intend to also appeal by email to the company once an email is provided, if it appears. I will consider a Bank of America appeal as well. I do not understand that a bank can subcontract out to a third party, such as XXXX, and shield itself from consumer complains.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB placed a hard inquiry on my credit report. Also for the past several months I have been receiving phone calls from Chase Bank regarding my credit card which I don't have and never applied for. 
I may be a victim of identity fraud.
Product: Debt collection

I was called by Genesis Credit Management/Columbia Debt Recovery XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX phone : XXXX ) at XXXX on XX/XX/XXXX regarding a debt that I never received noticed of for {$200.00} ( but on the phone the representative said it was {$210.00} ) that was sent to the collector by XXXX XXXX XXXX  for XXXX` damages ''.

I asked what I could do, because I was never notified by mail by either the collector or the apartment complex itself ( I have not lived in that apartment for 4 years and received my whole deposit back after moving out ). I received an email on XX/XX/XXXX from the collector, however it did not state what the company was and looked like a suspicious link. I was not told that I could dispute this action or ask for proof, despite me asking the representative multiple times what I can do in this situation. I also told the representative, XXXX ( direct phone XXXX ), that I won't be able to pay until I get paid which is XXXX  XX/XX/XXXX, and she said " you're lucky I even am doing this for you '' " you should know better '' and " you will have to pay now or I will be send this to the credit bureau and that won't be good for you. '' I was also told that no, they could not call me back, and no they can not send me an email or a letter regarding this debt. 

I paid the {$210.00}, so I'm also not sure if I was overcharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was vandalized twice and on each occasion, personal information was stolen from my car. I have filed police reports and added extended fraud alerts on my credit by I continue receiving alerts that my information appeared on the dark web and/or inquiries appear on my credit report which I did not authorize. I have disputed this directly with the credit requestors along with XXXX but the inquiries have not been removed. 
The unauthorized inquirers are : XXXX XXXX XXXX on XX/XX/22 XXXX XXXX XXXX on XX/XX/22 XXXX XXXX on XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/22
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized inquiries : XXXXXXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit card

We applied and were approved for a credit card through XXXX XXXX XXXX card, provided by Citi. We were told that we would receive certain benefits such as improved boarding position and free checked baggage. When we used the card to purchase flights/book travel we still were charged for our checked bag and were not given the improved boarding status. The flights were purchased almost a month in advance and the bags were paid for at the airline kiosk with the XXXX XXXX XXXX Credit Card. When I brought this to the attention of the credit card company and the airline, both redirected me to a refund website which was not particularly clear about the information required to receive a refund. The website asked for a " document number '' which could mean an itinerary number, membership number, credit card number, how are you to know? Once I figured it out ( number found on the credit card statement ), I filled out the required information on the website and was told that my application would have to be manually reviewed. I had to do this twice, for the bag that travelled to and back from our destination. We 've flown since and I assume that I will have to go and file for these refunds individually. What is frustrating about this, is that we receive our reward miles ( as promised ) but the other benefits with upfront costs seem deferred until you the consumer takes further action. Why must a consumer take additional action to realize certain advertised benefits while other benefits such as airline miles are awarded using the same information? I could not receive nor use my airline miles without providing my XXXX XXXX membership number. Why then, when I provide my membership number to check into a flight and pay for a bag service at an XXXX XXXX point of sale at the same time, using their XXXX XXXX Credit Card, do I not receive the other benefits associated with the card. It seems to me that when I provide my membership number and present my card at the XXXX ( as well as in person when I hand over my bag for check-in ) I should automatically receive the benefit stated on the card ... why all the additional hoops? I wonder if this is a method of taking in revenue that hinges on a customer not paying close attention to their benefits. Furthermore, by providing some benefits, it creates an illusion that the XXXX and Credit Card company are behaving " above board '' by giving you benefits, when they are not actually awarding the customer all of the promised benefits as stated in the credit card application.
Product: Checking or savings account

My partner and I deposited a check into TD Bank - a branch in XXXX, XXXX XXXX ( we opened the account in XXXX XXXX, XXXX XXXX, XXXX NY during summer 2021 ) on Friday, XXXX XXXX. The bank teller said the check would clear on the upcoming Monday the XXXX. The check never cleared. We were able to use almost {$100.00} at a diner called XXXX after the deposit on Friday the XXXX. The funds were no longer made available to us after we used the money and we were supposed to have {$100.00} available. I contacted the bank teller after Monday and they told me that since it was the first check I deposited it will take more time to clear especially since XXXX XXXX was a holiday. I dont know about it being the first time because my partner said he may have deposited a check. We have both had direct deposits made into the account. In any case the bank has not allotted my partners funds to him. We have a joint account so we also have access to each others info. I also must note that logging into my TD account has been very difficult there have been times where I can not log in no matter what I do- same for my partner ( to the online portal ). I have had to set up voice recognition and had to go in person more than once to verify my identity. I have had to change my address on file more than once as well because they had an address we did not give them on file as it was an old address. It is now one week later and our funds have not been made available to us. We also deposited this check from my partners lawyer in the amount of over $ XXXX which is equivalent to perhaps a person who is a doctor or another position of that nature. My partner called TD today ( XXXX ) and they stated that the funds would be available at XXXX or XXXX. It is now XXXX am and no funds and we owe a vet bill. I made an appointment thinking that the funds would be available by now. I want to close this account down after we receive and use this money.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605 ( b ) ( c ) of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX which lead to identity theft and legally having to change my name. I would like for all listed accounts, names, public record and inquires to be blocked and delete company information. Please delete the following accounts, names, public record and inquires : XXXX XXXX ( XXXX XXXX XXXX ) Account # : XXXX Amount : {$7600.00} Date : XX/XX/year> This account was added to my credit report while there was a previous complaint opened with complaint # XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a delinquent remark and the company said they cant see anything when I called them
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX XXXX, I have identified inaccurate accounts that need reporting and correction through your company.
Product: Money transfer, virtual currency, or money service

Received Direct deposit through Venmo on XX/XX/year> XXXX. Amount was {$1100.00}. Purchased XXXX  through Venmo on XX/XX/year> XXXX, and transaction was completed. Amount was {$1100.00}. Inability to transfer out of Venmo. Sold XXXX. Account credited the full {$1100.00} on XX/XX/year> XXXX. Purchased XXXX through Venmo, twice, {$10.00} and {$31.00}, XXXX and XXXX. Unable to send out XXXX  again. Sold XXXX  on XX/XX/year> XXXX. Account credited. Purchased XXXX  for {$1000.00} and transaction completed on XXXX, XX/XX/year>. Inability to transfer XXXX  again, which lead to a sale of said XXXX  on XX/XX/year> XXXX. Funds were not released, given date of XX/XX/year> to be released. Upon speaking to customer support, XXXX incapable of expediting process. Spoke to supervisor. Also was given same incapability, along with no allowed expedition due to no line of communication with team who reviews said process. Told funds will be released on the dot of 5 days after initiating sale of purchase. Used Venmo religiously to purchase, sell, and transfer XXXX, never receiving a delay or freeze on account. This time, I did, and considered I use Venmo as my financial institution, I am going to be late with bills and missing due dates.
Product: Mortgage

Upon transfer the servicing of the loan from XXXX to Mr. Cooper, our escrow account is not correct and is now showing a shortage. We received notification from Mr.Cooper that we are now short funds in escrow. We contacted Mr. Cooper and Spoke with XXXX in the XXXX, Texas. She stated that she would contact us back, but after several attempts this is still a stagnant issue with them. XXXX saw what we saw, a blatant accounting issue, yet this company still wants to add more to our monthly payment for this '' shortage ''. While with XXXX, we never had a shortage with them. I am providing the following documentation : 1. XXXX statement of XX/XX/XXXX showing our escrow account activity 2. Public records of our taxes that show only one tax increase on the school taxes of {$120.00} for the year. 
3. Mr Cooper notification dated XX/XX/XXXX Showing we are SHORT {$2200.00} 4. Loan statement showing they want XXXX more each month a total of {$1400.00} more a year. 
5. Statement from XXXX XXXX XXXX showing the Declaration page showing the yearly premium of XXXX We are looking for an accounting statement and the return of the payment to where it should be. XX/XX/XXXX payment is coming due and we want this issue resolve asap. Thank you