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

On XX/XX/XXXX I took out a {$3000.00} loan with Balance Credit. I was aware that the interest was high, but did not fully understand how high it was. I later learned that the APR was 213.9994 %! I made 5 monthly payments of {$560.00} on time for a total of {$2800.00}. On XX/XX/XXXX I wanted to see about paying this loan off and was informed my balance was {$3800.00}! That is more than the original loan amount after nearly paying {$3000.00} in payments thus far. I was unaware the none of my payments had went to the principal. I believe this loan is predatory and the way it is set up makes me unable to pay it off in a reasonable way in which I am not owing thousands upon thousands of dollars on a rather low loan amount. Loans and APR 's like this should be illegal!
Product: Vehicle loan or lease

On XXXX XXXX, my family member was in need of a vehicle, and I was asked to cosign. Although I was dealing with a XXXX XXXXy on-the-job injury, of which was told to the sales people and others prior to any transactions. I also informed them of the pain medicine that caused me to tire and become incoherent, also my medical condition were very visible, but they continued to be very persistent. The loan finance company of the vehicle is Credit Acceptance Corporation. In or about XX/XX/XXXX the vehicle was in a total loss accident. I filed a claim and later was told that my then insurance company paid off a large percentage of the vehicle, and left a balance, of which I requested payment information, but did not receive any written documentations. Since the vehicle loss, on many occasions I've unsuccessfully requested information of payment and balances Also, during the beginning of the vehicle loss, it was listed as a natural disaster loss and account closed. Throughout time Credit Acceptance has changed this notation on my Credit Reports and reopened the loan also adding more fees to the account.The loan agreement was not completely explained to me, I later learnt the information. The vehicle was a XXXX XXXX XXXX, amount {$15000.00} @ 60 months @ {$450.00} monthly. XXXX
Product: Mortgage

Shellpoint mortgage erroneously sent XXXX property insurance payments instead of XXXX. I received a large refund from the insurance company, and then replenished the escrow account at Shellpoint. However they raised my mortgage payment signicantly. This happened in XXXX. It is not XXXX, and they finally adjusted the payment, but it is still incorrect and {$900.00} per month higher than my previous payment. They are using what they call an " : Escrow shortage '' to justify, but they created the shortage with their errors. Also they are not applying the recent payment I sent because it is less than the new payment they are demanding.
Product: Mortgage

I place a call to PNC Mortgage in regards to a Loan Assumption. I told the loan assumption clerk that I will be retiring pretty soon and my income will be drastically reduced. Can my wife of 20 yrs assume the loan due to the fact that she has been making the payment for the last 10 yrs. I was told by PNC Mortgage Loan Assumption Dept., the only way my wife can assume the loan is either thru death or divorce per XXXX XXXX Guidelines. I contacted XXXX XXXX and inform them what PNC Mortgage Loan Assumption Dept. stated. / A XXXX XXXX supervisor TOLD ME THAT IS ENTIRELY UNTRUE, NOTHING IN THEIR GUIDELINES STATES THE ABOVE. My rights as a consumer was violated and I ask you to investigate this matter.
Product: Checking or savings account

My car was broken into on XX/XX/2023 my cell phone and debit cards where stolen .and my driver XXXX license. I reported to police as soon as I could but I didnt have a phone to use, when o them called capital one the first time they said they were not able to file a claim because it was after fours and nobody was available this happened 2 days in a row when I borrowed a phone to use. Then few days later when borrowing someone else s phone again I was able to file a claim however I spent over an hour on the phone only to be told that they would not process my claim due to me lacking iD verification or a recognized phone number. So now its well past 2 or 3 days. I finally borrowed money to pay for have an old phone of mine reconnected to my number and was able to call and activate my new card and regain access to all my accounts and check emails. This is when I learned that they had closed my account and denied my claim for aprox. {$1500.00} in fraudulent charges yet they had refunded almost {$200.00} in unauthorized charges on a separate claim they had had me file that day. This is. about the time I read a couple emails I hadnt been able to receive until I had got a new device to use, and saw them. There were several of them asking me to verify some suspicious charges that were from the XXXX around those dates, I didnt even see these emails until the 14 th aprox. Now I had escalated these claims to the bank they still followed thru with closing my account and saying In the notice they sent me that they are entitle to close accounts at any time for any reason. Then I as told over the phone by an agent that the charges had been in line with previous spending patterns and that they were infact valid and claim is now resolved. They also said they had caught lying because, I had said that nobody else knew my pin # and the pin had been used. However thats not what I had said, I had said the pin to my account was on and in my phone and my phone had been stolen my Email and bank accounts had, both had been compromised the thieves had changed my pin and passwords and well as. ThEn a few days more and I recieved a check for XXXX $ from my closed checking account and a notice stating claims were officially closed and blah blah blah this is XXXX situation is causing me extreme Stress and I have bills I cant pay, Im constantly in a state of worry over ever since this occured
Product: Debt collection

I have sent Portfolio RECOVERY Associates multiple letters requesting debt validation XX/XX/18 they received on XX/XX/18 @ XXXX, again on XX/XX/18 which they received XX/XX/18 @ XXXX. They keep IGNORING my requests for validation & instead send me the same thing, copies of statements. I do NOT have any contract with Portfolio RECOVERY Associates or with the company they bought the debt from. They have NEVER had this removed from the credit bureaus during any time of the investigation which is a Violation. This still reflects Negatively on my credit reports for {$680.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a mortgage. The mortgage company had no problem getting my XXXX and XXXX credit report but can not get my Equifax. They are told the credit file is frozen. 

I called Equifax 3x and thy said there is nothing wrong with my account, it isn't frozen and all my personal information is correct. 

Now I can not get the mortgage because they need the Equifax report. 

What am I supposed to do. Can you make Equifax fix this problem?
Product: Credit card or prepaid card

I applied online for a Capital One secured credit card on XX/XX/2018. I was approved and per an email from Capital One, I am required to make a minimum deposit of {$200.00} by XX/XX/2018. I went online to make my {$200.00} deposit on the morning of XX/XX/2018. I received a confirmation that my deposit was successfully made and I should expect my card in a few weeks. The money was never withdrawn from my bank so I called Capital One and I was told there is no application and I should reapply or file a credit bureau dispute. In the mean time, watch my bank going forward to make sure it's not withdrawn because they can't find any application. This could hurt my credit score by having a hard inquiry that I can't remove or my bank account if they pull the money from the bank without warning
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXXXXXX XXXX.I request that my name be updated to reflect the correct information. 

2. Date of Birth : The date listed on my credit report, XXXX is listed incorrectly. I request that my Date of BirthXXXX XXXXXXXX, be updated. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license and social displaying my correct name and Date Of Birth.
Product: Credit card or prepaid card

I had had fraud charges on my XXXX XXXX card and reported those charges and the claim was denied because the claim dept said I have not return the claim form, I have sent the form back to them 4 times with a police report. I disputed charges that amounted to the entire balance on the account. Now they have reported to the credit reports as collections and sent me to collection which unacceptable, I have communicated to them for the past several months about this issue.
Product: Debt collection

A settlement was reached and agreed to take payments over time to pay off agreed upon total. After 9 payments the company stopped processing my payments. I tried to reach out to company and no response. Later I am not being told I defaulted on account and have to pay full amount.
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS , LLC is falsely requesting that I owe them {$130.00} and has added a derogatory collections account on my credit reports. I don't know who they are and do not owe them a single dollar. I tried reaching the company but they are not willing to help and remove off the inaccurate information from my credit report. this is damaging hurting my credit score and ability to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX  XXXX and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect and they are adversely affecting my livelihood. 

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: Checking or savings account

On XX/XX/23, I received an e-mail stating that XXXX XXXX was charging my account for {$290.00}. I responded by email but it did not go through, so I called the number in the email to tell them that I didn't want their service. The man who answered said he was reversing the charge. 

Almost immediately after I hung up, a man calling himself XXXX XXXX called and claimed to be from XXXX XXXX XXXX  XXXX XXXX XXXX. He told me that I had been scammed by XXXX and my credit card had two fraudulent charges on it. He told me to protect my bank account from cyber fraud I needed to open an account with XXXX XXXX XXXX and wire my savings into it. He told me Citibank is being hacked so I had to hurry before fraudsters took it all. He said XXXX was a safe wallet to hold my money until I opened an account at a different bank. 

I opened an account with XXXX and XXXX XXXX sent me an email with instructions for completing the wire transfer from Citibank. I went to my Citibank branch and was assisted by XXXX XXXX. I made a wire transfer of {$50000.00} to a XXXX bank account XXXX XXXX claimed was owned by XXXX. 

Later I was concerned and looked up the phone numbers for the man calling himself XXXX XXXX. I was not able to verify they belonged to him, so I contacted XXXX to ask if he was one of their agents. I received an email verifying that he worked for cyber fraud investigations and was legit. The email had XXXX logo in it, but I didnt realize at the time that it came from a XXXX address. I was then told my XXXX account had been locked and I could not transfer money in or out of it. The scammers were somehow able to access the funds and withdrew them from the XXXX account. 

The next day, I went to Citibank and asked them to reverse the wire transfer. They did an investigation and two months later stated that XXXX wouldn't return the money, so it was my loss to bear. 

I am a XXXX XXXX and I have been banking at Citibank for about 20 years. Despite the fact that this transaction involved a very large amount of money and I had no history whatsoever of such transactions, neither XXXX XXXX nor anyone else at the Citibank branch asked me any questions during the face-to-face interaction to screen for or warn me that I might be a victim of a scam. I am informed that this type of scam is very common, and it would have taken only seconds for a Citibank employee to ask a few questions and provide me enough information to help me to realize that I was being victimized. Instead, Citibank collected the {$35.00} wire transfer fee, sent the money out of my account, and provided no assistance in recovering it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in school at XXXX for a XXXX program. I started in the XXXX term of XXXX I was able to get financial aid for the XXXX term XXXX. However, now for the XXXX XXXX there seem to be a fraudulent bankruptcy that has placed on the account. 
My loans were recently transferred from XXXX advantage to XXXX. 
I have never had any documents or emails about this status sent to me prior to the bankruptcy being placed on my account. I have only found out after the bankruptcy has been placed on the account. 
How I found out about the bankruptcy : I had applied to more than XXXX school, upon checking the status for the summer term for Florida XXXX XXXX XXXX, for the Spring term XXXX I was awarded financial aid. I did not accept as I decided to go to XXXX. Upon checking my financial aid account, it shows that the loans are in bankruptcy. 
The issue : I have never filed for bankruptcy, so I believe this is a huge error. Also, by good credit of almost XXXX not too long ago will most likely be impacted severely. In addition, I am only able to continue going to school on a grade plus loan which is contingent on credit. 
I am usure the basis for the bankruptcy being placed on the account. I have tried calling several times and I am placed on hold for more than an hour each time with no resolution. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) In addition to not ever being in bankruptcy, I have had no chance to rectify the situation prior to the bankruptcy being placed on my account. I have had no emails or any correspondence stating this would happen prior to the bankruptcy happening. I also can not get anyone on the phone at XXXX to help me with this matter. In addition, I am currently in school in my XXXX week for the summer with pending financial aid to pay for my semester. 
This is very negligent on the servicers part. They need to ensure they are properly reporting correct information, and if it is incorrect, they need to fix this immediately. They should fix the issue with the credit reporting agencies as well.
Product: Debt collection

This company is in repeated violation of my rights, under FCDPA the violations are as follows 1692 ( e ) 2 character, amount or legal status, 1692 ( c ) c after written communication to stop communication or about paying a debt. 1692 ( e ) 8 threatens or communicates false credit information including failure to dispute information, 1692 ( f ) f an attempt to collect an amount of of the original agreement also 1692 ( g ) where company failed to send a 30 day validation notice within 5 days of initial communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, DEPTEDNELNET, and NELNET XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, DEPTEDNELNET, and NELNET XXXX with no successful resolution. There was definitely an error on their part.
Product: Student loan

I am supposed to be in loan deferrment but anytime I try and contact them I cant get anyone and emailing gets a full mailbox response repeatedly. They are demanding that I pay my loan but I am in school and shouldve gotten auto deferment. I also have no job so where am I going to get money to pay a XXXX loan?? I sent emails to the link provided and was told it is a tech line. Seriously? This company is ridiculous to try and work with. Defer my loans!!!!!!!!
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX  breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.
Product: Credit card or prepaid card

When went to purchase a ticket on XXXX XXXX website there was a offer for United Credit Card saying {$250.00} credit plus can get XXXX miles using the card. Both my wife and me signed up for this card using the link. After about week and half later got approved and now they say the offer is different XXXX miles. Called chase and they tell me that I used wrong link asked to sent me information showing our application with the link but they say they can not provide that to us. And this is their final decision. When talked to chase executive services she told me that offer for {$250.00} is still going on but she could not show me on the website where the offer was and I could not see that offer anywhere on United or  chase website. Looks like Chase is changing the offer. I even seen them a screen shot of the link where we signed up for the card stating the offer, but they can not provide me with their information showing that I used wrong link.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2022 ; 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 XXXXXX/XX/2022 ; TEXAS XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 Equifax credit report XXXX credit report XXXX Show these inquiries was not approved by myself XXXX XXXX XXXX XXXX all rights reserved a living man. Credit pull happened without my knowledge. I have submitted in writing letters and FTC report and have contacted each creditor separately which I was told they do not hold and information on me that shows requested inquiries.
Product: Mortgage

Select Portfolio Servicing Inc. in conjunction with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX have engaged in an extensive and pervasive pattern of discriminatory practices. We have been victims of mortgage and modification discrimination. SPS has rejected my multiple attempts to modify my home and refused to accept my KYHC and HAMP Programs imposing different terms and conditions without proper explanation. SPS has even gone to the extent of automatically transferring me to a XXXX speaking representative after stating my name. They once suggested I rent out the rooms to different XXXX families so I can catch up with my payments!! I would like to see a monthly/yearly report of the closed cases of foreclosure to show how SPS Inc. along with the above mentioned Banks discriminate the XXXX consumer and wrongfully denies modifications and forecloses on their homes!!
Product: Money transfer, virtual currency, or money service

I filed a complaint that coinbase responded to but they brought up a completely different transaction than the one i was talking about. On XX/XX/XXXX i purchased bitcoin instead of coinbase crediting my acount with XXXX ... .... they deducted it and i was charged on my credit card XXXX dollars. Coinbase eventually took responsibility for their mistake after days of trying to speak to someone. they credited me back a XXXX ... XXXX when i should have been credited back XXXX ... ... ...
Product: Credit reporting or other personal consumer reports

I attempted to create an account with Experian in order to freeze my credit and view my credit report. They failed to verify my identity online, and after several attempts to fix the issue I called the phone number they provided in order to verify by phone. I was faced with an automated system which told me " I can not assist with account creation, visit experian.com/help '' which is simply a page providing the exact same phone number which can not be used to solve my issue whatsoever. No human being ever answered the phone or contacted me at any point in the process, and I was told that I could only be transferred to one in " limited circumstances ''.
Product: Credit card

I had an item stolen at a concert, I bought merchandise that was {$40.00} on XX/XX/year> and I called my credit card company XXXX XXXX who redirected me to XXXX XXXX XXXX XXXX for XXXX XXXX, and in the benefits package XXXX of the stipulations is that all members ( paying members annual fee ) have Purchase Protection which gives you 90 days after an item was stolen. Now considering it was only XXXX $ and I had called the day after, I assumed this wouldve been an easy and simple request. Firstly they filed my name wrong and didnt even bother to ask if everything was spelled correctly waited for a week with no response after my first initial claim was submitted and so I called back and had a hard time finding my claim because my last name is XXXX not XXXX XXXX After that I was specifically told over the phone and by email that I would only need to provide XXXX items for the claims department to be able to process my submission, which was a picture of the item that was stolen? And the statement where the charge showed it was on the master card. After my submission I dont hear back for another week so I follow up with them and they send back a new email saying I still need, - Itemized charge receipt. 
-The Billing statement supporting the purchase of the item including the last XXXX of the card number associated with your claim.

-Confirmation of delivery.

-Police Report.

-Evidence that the Covered Purchase has actually been replaced ; Please note : Coverage limitations : Coverage is limited to the lesser of the following amounts per claim : The actual cost of the Covered Purchase charged to your Covered Card So I emailed back complaining and frustrated because now Im being blindsided by this company who offer a service they dont even trust their members to give? Like it is XXXX XXXX So after that another week of radio silence no email clarifying anything just another email a week later saying my claim was denied. I sent screenshots to them and showed them that they asked for 2 documents. Now they want me to put in all this extra work when Im the one whos loosing in all of this. Why even have purchase protection if they cant even protect XXXX $ like its XXXX $ why would I go to the police? Now I have no shirt or XXXX $