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

This company has been engaging in predatory lending at rates well above my states ( CA. ) high interest rate legality. Below is an email that got sent to me outlining the terms of a {$300.00} loan that I had been approved for and funded. It reads : Expect your loan deposit soon, read below for more details Hi XXXX, A copy of your executed loan agreement is attached. Were sending {$300.00} to your bank account. 

If you accepted your loan terms on a Monday through Friday, before XXXX XXXX CT, Spotloan will transfer the money to your bank by no later than XXXX XXXX. on the same day. 
If you accepted your loan terms on a Monday through Thursday between XXXXXXXX XXXX  CT and XXXX XXXX  CT, Spotloan will transfer your funds to your bank overnight. 
If you accepted your loan terms on a Friday after XXXXXXXX XXXX CT through anytime on Sunday, Spotloan will transfer your money over the weekend and it will be waiting at your bank on Monday morning. 
Keep in mind that your bank may not process or release the funds immediately, even after we have sent them your way. Be sure to check with your bank for specifics. 

Your Payment Schedule XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$53.00} Making Changes to Your Payments If you will have trouble making one of these payments, be sure to contact me at least 2 business days before your due date and we can work something out. Keep in mind that interest accrues on a daily basis and missing or deferring a payment will increase the total loan cost and will change your payment schedule. 

Online Access You now have instant access to your Spotloan account at spotloan.com/account/sign-in. You can view your loan status and check in on your next payment online. 

Lastly, please see a copy of our Privacy Notice at spotloan.com/privacy-policy. 

If you have any questions, let me know. Thanks for your business, and we look forward to working with you over the next few months. 

Sincerely, The Spotloan Team XXXX XXXX spotloan.com # Please type your reply above this line # Hello, Your email ( request # XXXX ) has been received, and is being reviewed by our support staff. Please give us time to respond. Due to the recent Coronavirus ( COVID-19 ) outbreak, we have an overwhelming volume of emails. Thank you for your patience. 

If this is an urgent request, or time sensitive regarding your upcoming payment, call us as soon as you can for immediate response. Please remember, any delay on an upcoming payment could cause further setback or cost. 

To add additional comments, reply to this email. 

Sincerely, The Spotloan Team ( XXXX ) XXXX This email is a service from Spotloan Help Desk. Delivered by XXXX. 
[ XXXX ]
Product: Debt collection

XX/XX/2018 - XXXX XXXX  contacted my Landlord 's mother several times over the past two weeks. This person has no relationship with me, the only way they could have gotten her number was to search for my Landlord 's name. I have already made payment arrangements to bring my account current yet the continue to call her looking for me, she lives in another state and does not know me.
Product: Credit reporting or other personal consumer reports

This account was charged off XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. Im demanding deletion of the following account XXXX XXXX XXXX XXXX. Account number XXXX According to 15 USC 1681 EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete account immediately for violating 15 USC 1681EB.
Product: Prepaid card

Basically it was supposed to be from unemployment but I seen a claim that had three different card numbers but with the same claim number and there sent me back something about equity loan what I don't understand is I would like to know more about the broker dealer account that from XXXX  you guys did a credit report for me and it was talking about investments in a broker dealer underwriter it was {$18000.00} in this last month but I'm trying to make my complaints all the ways back to the card ending in XXXX from Bank of America prepaid card I never received none of the money I'm trying to figure out what's going on
Product: Mortgage

For the past 2 years I have had a financial hardship due to loss of income and a family emergency that happened. When I first missed a payment I requested help from Shellpoint mortgage. I was told they will not help me unless I am 2 months behind on my mortgage. So I went a whole year making my payments but still being 30 days behind because I dont have the extra money to cover the missed payment. In the 2nd year, I missed a XXXX payment and submitted for loss mitigation for a forbearance of 3 months so that I may get caught up on my payments since i can still make regular payments, I just cant cover the previous due. They still denied me for help. I sent in proof of my pension and VA XXXX income and they still denied me. They said I have NO options available at this time and to try again in 30 days. I did that and was still denied! This company lies to consumers about mortgage assistance and refuses to actually help you. Even when I did have a little extra to put towards the past due balance, they just held the extra as an unapplied balance instead of placing it towards the past due balance. When I called to ask why, I was told they dont do that, and any unapplied balance at the end of the month just goes towards the principal interest. This company is a mortgage loan shark that doesnt care about there customers. They just want your money or your house. They lie to the consumers with the loss mitigation advertising when you fall behind on payments, only to deny you and tell you theres nothing they can do. I feel like they just want to get the guarantee money from my VA loan by forcing my home to go straight into foreclosure. This company needs to be investigated about their loss mitigation practices and see how they are reviewing this process and be more upfront about their practices. I dont know who I need to call to blow the whistle on this company, but I am noticing they are taking a page out of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And if so, us consumers need to raise the flag and report them like they did those banks. It makes no since to offer loss mitigation just to deny people and watch them lose their homes.
Product: Student loan

I need to submit yearly income documentation to my student loan servicer, Nelnet, to recalculate my income based repayment. Nelnet told me I had a specific deadline by which to complete this. However, they had set a different, earlier deadline, which if I had not submitted by then, they would switch me to a standard plan and capitalize all of the accrued interest. I know that switching from IBR will capitalize interest -- however, I submitted the required documents by the deadline they told me. But they had capitalized my interest a few weeks before that.
Product: Credit reporting

XXXX XXXX lists an amount due of {$6500.00} XXXX {$7900.00} highest balance ) as a Collection/Charge-off on my credit report. This account belonged to XXXX XXXX and I was listed as an Authorized User. I never used the card and it is still in the envelope in which it was originally sent. XXXX XXXX sold this account to XXXX XXXX and they filed a collection lawsuit against XXXX XXXX XXXX This lawsuit was Non-Suited by the Court and the amount claimed as due was deemed to be NOT owed. The attorney stated that the amount did not have to be paid to XXXX XXXX or to XXXX XXXX. When applying for a mortgage in late XXXX 2015, a conference call was held between XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX refused to discuss the matter, so no resolution could be had. They were extremely abusive on that conference call to which we still have the recording. We were not able to secure the mortgage because of that derogatory listing on my credit report. Transunion has already responded and removed this item from my credit report. Equifax is the credit reporting agency that is still showing this derogatory item.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$750.00} XXXX XXXX  XXXX XXXX Bank XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX All these accounts are either not reporting or not reporting accurately on my XXXX consumer report which is in violation of consumer reporting agency, this is negatively impacting my score which is not allowing me to get credit on favorable terms. 
Please investigate and rectify the situation immediately. 
Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been approved by FIFTH THIRD BANK Credit Card Department for a credit card balance of {$2500.00} I have had the card and have been using the card responsibility for XXXX  months now, yet, they have not reported the account to XXXX, XXXX  and XXXX  Credit Bureaus at all. Please have them ( FIFTH THIRD BANK Credit Card Department ) report this credit card account to XXXX, XXXX  and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Product: Credit reporting, credit repair services, or other personal consumer reports

A name is listed that is similar to mine, but not mine. I have tried to have it removed bc there is debt connected to the erroneous name. I cant effectively dispute the debts without first removing the name. XXXX XXXX XXXX, is not my name -my middle name is spelled differently.
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B obligates us to remove incorrect accounts from my credit report. Could you look into the documents? Some accounts listed have reporting errors, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, 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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$29000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media I've been seeing about several hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus. I filed a police report to notify authorities. So far no actions have been taken by any of the credit bureaus. 

Below are fraudulently unauthorized inquiries on my report : Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Company : XXXX XXXX Company : XXXX  XXXX Below are the Company, Account #, Dates opened, and balances for the inaccuracies reporting on my credit report : Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$390.00} Company : XXXX XXXX XXXX  # : XXXX Date Open : XX/XX/XXXX Balance : {$3900.00} Company : DEPT OF EDXXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : DEPT OF ED/XXXX   Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : DEPT OF ED/XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : DEPT OF ED/XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : DEPT OF ED/XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$8500.00} Company : DEPT OF ED/XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$12000.00} Company : DEPT OF EDXXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : DEPT OF ED/XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$6200.00} Company : XXXX Account # XXXX Date Open : UNKNOWN Balance : {$100000.00} Company : XXXX   Account # XXXX Date Open : XXXX XXXX Balance : {$12000.00} Company : XXXX  Account # XXXX Date Open : XXXX XXXX Balance : {$8500.00} Company : XXXXXXXX XXXX XXXX  Account XXXX XXXX Date Open : XX/XX/XXXX Balance : {$370.00} Company : XXXX XXXX Account XXXX XXXX XXXX Open : unkown Balance : unknown
Product: Checking or savings account

my XXXX debit card ending in XXXX, cvv # XXXX, exp XX/XX/XXXX had an unauthorized charge/deduction from my checking account/debit card on XX/XX/XXXX at XXXX XXXX   est. I was in the city of XXXX, Illinois simply visiting on my way back to new York a few days later. However, when I pulled up my accounting ledger from XXXX XXXX/XXXX XXXX it clearly showed the reason that my account balance is not balanced ; the balance is off by $ XXXX {$150.00} than what it should be. In other words, my current balance should be about {$150.00} higher than what it is currently showing with the monies missing, which I did not charge nor authorize that deduction, either. That unauthorized charge from my XXXX debit card ending in XXXX, cvv # XXXX, exp XXXX is from merchant : XXXX, XXXX, XXXX, CA, PURCHASE, {$99.00} ( XXXX XXXX DOLLARS AND XXXX XXXX CENTS ). I DID NOT AUTHORIZE THAT CHARGE AND DID NOT MAKE THAT CHARGE MYSELF EITHER!! I simply want those stolen monies from my XXXX debit card returned back to me because I AM ON XXXX VIA U.S. SOCIAL SECURITY ADMINISTRATION IN XXXX D.C. AND I RECEIVE MY XXXX ONCE PER MONTH DEPOSITED TO MY XXXX DEBIT CARD. THE FIXED INCOME I RECEIVE IS ALL I HAVE TO LIVE ON TO SURVIVE. I LIVE IN POVERTY AND AM A TRANSIENT. I CAN NOT AFFORD TO HAVE SCOUNDRELS STEALING FROM ME! THE NUMBER FOR U.S. SOCIAL SECURITY ADMINISTRATION IS XXXX. I HAVE ATTEMPTED TO CALL THEM BUT WAS UNABLE TO FOR TODAY. I WILL TRY AGAIN TOMORROW. HOWEVER, I SIMPLY WANT THOSE MONIES PUT BACK ON MY CARD. MY XXXX IS A DEBIT CARD ; IT IS NOT A CREDIT CARD!!!! THIS IS THE RESPONSE I RECEIVED FROM XXXX : Thank you for your inquiry. XXXX does not issue credit or payment cards. Please contact the issuing bank at the toll free number on the back of your card in order to resolve this issue. Please also note that we have removed your card number and CVV code in order to further protect your identity and payment card. 




Investor Relations XXXX XXXX XXXX XXXX XXXX, NY XXXX tel XXXX ... I SIMPLY WANT THE IDENTITY THIEVES PROSECUTED AND BLOCK THEIR ACCESS TO MISUSE MY BANKING DATA AND PERSONAL INFO. THANKS. XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting signs issue with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was infeasible.CFPB findings indicate that Zelle has not neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scam. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Company will not provide contract and is past 45 days.
Product: Debt collection

XXXX from Pendalton Capital continue to call me at work and cell when I have asked him to stop calling contacted an attorney and they determined it is a scam company. Can't seem to get them to stop calling me at work. Threating to sue and contact my supervisor.
Product: Debt collection

This says a medical bill I have no knowledge of fraud alert is on my credit report. I have tried to reach out no response
Product: Debt collection

A continuation of my harassment by I.C. System notwithstanding my prior complaint XXXX about a purported debt I do not owe. I received an I.C. System " Account Update '' dated XX/XX/XXXX ( attached ) stating ( in apparent response to my XX/XX/XXXX complaint XXXX ) : " confirmation that I.C. System will no longer pursue collection of this account and will return it to XXXX XXXX, Powered by XXXX. '' That caused me to accept that my complaint was resolved. That was wrong. 
Just 9 days after its XX/XX/XXXX " Account Update, '' I.C. System sent another collection letter dated XX/XX/XXXX ( attached ), purporting to be an " Account Validation. '' As purported " validation, '' I.C. System sent the same bogus XXXX invoice dated XX/XX/XXXX I.C. System previously sent to me on XX/XX/XXXX ( attached ). I informed I.C. System by letter dated XX/XX/XXXX ( attached ) that I had never previously received that XXXX invoice or any other communication from XXXX because I've never had a business arrangement with XXXX. I demanded in my XX/XX/XXXX letter, as I have in my XX/XX/XXXX letter, my XX/XX/XXXX letter, my XX/XX/XXXX letter and my XX/XX/XXXX XXXX letter ( each attached ) ( a ) evidence that I ever had a business arrangement with XXXX ; ( b ) proof that the modem on the bogus XXXX invoice was XXXX XXXX ; and ( c ) evidence I ever got the bogus XXXX invoice or any other communication from XXXX. No such evidence or proof has ever been furnished. I.C. System is engaged in consumer harassment without evidence or proof that I owe anything for XXXX or hold any modem that XXXX can prove it owns. I want this harassment stopped. I.C. Systems obviously undertook no diligence to verify I owed anything to or hold any property of XXXX. Yet I.C. System has persisted in harassing me for two years. If that is not consumer abuse, what is? I.C. System needs to be legally disciplined because, based on review of consumer complaints about I.C. System to the XXXX XXXX XXXX, harassing consumers to extract money they do not owe is an all too common and legally questionable tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : ( XXXX XXXXXXXX XXXX XXXX  XXXX. XXXX, XXXX ) ( XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX ) ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ) U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I DID NOT RECOGNIZE the following inquiries. As such, it is a very serious error in reporting. I asked several times Equifax and XXXX to DELETE THIS FRAUDULENT AND/OR UNRECOGNIZED HARD INQUIRIES XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX BANK XXXX, XX/XX/2023 This is a violation of 15 U.S. Code 1681i ( 5 ), Removal of Inaccurate/invalidated credit information. Please remove immediately.
Product: Debt collection

I did not receive notification of debt. Debt is listed for {$6000.00} and has been place on all 3 credit bureaus.
Product: Checking or savings account

I withdrew XXXX from an ATM at XXXX in XXXX, Pa. I notified my bank that the ATM only produced XXXX but I had withdraw and had a transaction for XXXX on my account. They said I would get a credit withiny in 10 days. Its been over 30 days and there has been no credit or no resolution and nobody from the dispute team has contacted me. I have been missing over XXXX for over a month now!
Product: Debt collection

I looked on my credit report and seen that an account was open in my name that I never once applied for or used. Someone got a fraudulent credit card in my name for {$500.00} without my consent and never paid back the debt which now reflects on my credit report. The account was from XXXX XXXX XXXX  but was eventually taken over by debt collection agency LVNV Funding LLC. This is not my debt and is a result of someone committing fraud in my name.
Product: Credit reporting or other personal consumer reports

Remove all unauthorized hard inquiries affecting my credit report as specified in 15 USC 16c-2 ; these were not consented to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 closed accounts one being child support stating I owe over {$5500.00} but says I've made zero payments.. I got all the receipts or records of my payments of what the state has asked for online on the dcf website.. I'm also scared they are gon na take my returns I worked so hard for away again for the 2nd year In a row.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been compromised and I am a victim of Identity Theft. 

There have been accounts that have been opened using my name without my authorization. I have contacted the credit bureaus to fix their mistakes and they are not taking this seriously. 

My attorney is advising me to contact all the creditors and let them know of my position. 

The following accounts need to be removed from my credit report immediately! 

XXXX XXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$76.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$120.00} XXXX XXXX, XXXXXXXX XXXX XXXX XXXX {$91.00} XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX {$93.00} XXXX. XXXX, XXXX