23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loss mitigation complaint and XXXXXXXX XXXXk XXXX, acting as Trustee, failed to properly apply and accept payments in accordance with Federal Law. Securities Act of 1933 ; Securities Exchange Act of 1934 ; UCC 3-104 Negotiable Instruments and UCC 3-603 Tender of Payment. 
Full Payment was tendered and not accepted or applied, as such the loan is paid in full in accordance with Federal Law. XXXX XXXX  also admitted they never had the loan in their servicing network. So no money is owed to XXXX XXXX on my house. They are also using a servicing company, Select Portfolio Servicing to represent them to commit this fraud on their behalf ( See attached correspondence letters with XXXX XXXX ). 
Furthermore, XXXX sent us a letter stating they are in no way affiliated with Select Portfolio Servicing but yet XXXXXXXX XXXX filed the foreclosure complaint as the trustee and Select Portfolio Servicing signed the complaint as Attorney in Fact. ( see attached letter from XXXX XXXXk regarding SPS and the last page of the complaint they filed to foreclose ). 
Rule 1.210 ( a ) of the Florida Rules of Civil Procedure provides, in pertinent part : Every action may be prosecuted in the name of the real party in interest, but a personal representative, administrator, guardian, trustee of an express trust, a party with whom or in whose name a contract has been made for the benefit of another, or a party expressly authorized by statute may sue in that persons own name without joining the party for whose benefit the action is brought.. 
XXXX XXXX  XXXX, meets none of these standing and pleading criteria. We demand written proof from the Trustee and the C.E.O. of XXXX XXXX XXXX. that they authorized a foreclosure on this property by way of Corporate Resolution and Affidavit. XXXX XXXX  XXXX. is not the real party of interest. The real party of interest XXXX XXXX XXXX who originated the Note and went out of business on XX/XX/XXXX. Then XXXX XXXX XXXX who was charged for foreclosure fraud and shut completely down in the State of Florida, had a fraudulent assignment created by XXXX from XXXXXXXX XXXXXXXX to XXXX XXXX XXXX XXXX on XX/XX/XXXX, four months after XXXXXXXX XXXX had been closed down. ( see attached assignment and article on XXXX XXXX XXXX XXXX XXXX XXXX is currently committing fraud by foreclosing, case no. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX and currently setting a sale date of our home on XX/XX/XXXX. We want all banking operations to cease immediately and an investigation initiated about this XXXX XXXX fraud. 
XXXX XXXX XXXX and XXXX XXXX ( aka XXXX XXXX XXXX ) XX/XX/XXXX 2022
Product: Debt collection

On XX/XX/XXXX the collection company ONLINE INFORMATION SERVICES XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX send me to collection for a bill of {$970.00} from XXXX XXXX XXXX, account # XXXX that was not paid. I never lived at the address where this account was opened and I never open this account. I contacted them about this charge and they acknowledge that was not mine. I disputed this with all 3 Credit Companies last year and all of them removed this from my credit file back in XX/XX/XXXX. But this keep showing up on my XXXX Credit report. This been happening for the pass couple months and I'm getting tired about this charge. I will appreciate that ONLINE INFORMATION SERVICES stop reporting this to my credit report. If not I am going to start a legal action. Thank you.
Product: Checking or savings account

I wanted to buy tickets from a seller on XXXX She/he pretended to have 4 tickets and gave me this email XXXX and a XXXX  name XXXX XXXX so I paid the amount of money and she never replied nor sent me the tickets
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX Navy Federal Credit Union XXXX XXXX XXXX I am filing a complaint regarding a pledge loan I obtained through Navy Federal Credit Union in XX/XX/XXXX and ended in XX/XX/XXXX. At the time of signing up, I was informed that upon completing the loan payments ( with interest ), the pledged amount of {$1000.00} would be returned to me. 

After completing all required payments, I waited a few weeks for the deposit, but the funds were not returned. When I contacted customer service twice, I was told that the funds had already been returned to me. This response is illogical, as it would not make sense for the funds to be returned during the loan repayment period. 
Furthermore, when I raised concerns and questioned the status of my funds, Navy Federal added a dispute notation to my credit reports without my authorization. This action is unwarranted and has caused additional frustration.

To make matters worse, I noticed that all of my statement records related to this loan were conveniently blurred, preventing me from reviewing them for verification. This lack of transparency raises significant concerns about Navy Federal 's handling of my account.

I am requesting an investigation into this matter, as I have yet to receive the {$1000.00} deposit I am entitled to. Navy Federal 's handling of this situation has been unacceptable and raises concerns about their practices. 

These are the games they play with XXXX. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX
Product: Bank account or service

XXXX XXXX, 2016 Re : CFPB case # : XXXX Dear XXXX XXXX ; Thank you for your recent correspondence. As you suggested, I have followed up with XXXX XXXX again and they said " they negotiated the check correctly '' Citibank cleared the check. It was the responsibility of Citibank to insure the check had the XXXX required signatures before clearing the check. Therefore, Citibank is responsible to replace the check. Please advise me on when I will receive this check to resolve this issue. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of account that is still reporting on my Credit Reports : VERIZONTEL Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to have several negative accounts removed off my credit report I have a lawyer and all matter are currently in litigation ( XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) so i want all negative items removed immediately ... Plus Im fully aware of all my rights Under the Fair Credit Reporting Act. The Law 15 USC 1692 Under federal law you have to provide a method of verification and there was no proof of verification used to Verify these accounts so legally u have to remove all items and i want all negative items removed heres a list of all items XXXX XXXX XXXX XXXX Remove XXXXXXXX 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 have A attorney all accounts are in litigation there incorrect i i WANT THEM ALL REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

From the year XXXX I have been deceived by Credit Karma false pre-approved credit card and personal loan offers. Those offers have cause damage to my credit and on some occasions the loan companies would say they would pull a soft inquiry on your credit report in turn they would pull a hard inquiry which causes damage to my credit score and the ability to get the credit that I rightfully deserve.
Product: Credit reporting or other personal consumer reports

all XXXX XXXX XXXX are reporting totally different balances and closing date and open dates on my credit report and all are in correct and is hurting my credit report and doesn't help with getting a loan for a XXXX time home buying, can you please delete all incorrect information i have attached docs. that was sent to all XXXX XXXX
Product: Debt collection

Received letter XX/XX/XXXX sent letter and they received debt validation letter XX/XX/XXXX. They contacted me XX/XX/XXXX at XXXX requesting payment. They are supposed to stop collecting until they send the debt validation. They reached out to me and family members. I called at XXXX XXXX and they would not let me speak kept talking over me I told them I would verify my personal information and they kept asking me is this for the XXXX XXXX account. I gave him my name my birthdate and asked him what else he wanted and he kept asking me if this was the XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Hard Inquiries Dispute FCRA Violation Dear Sir/Madam, I am filing a formal complaint regarding the presence of unauthorized hard inquiries on my personal credit report with TransUnion. Upon reviewing my report, I have identified multiple entities that have accessed my personal credit without my authorization or a permissible purpose, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ).

Details of the Unauthorized Hard Inquiries The following hard inquiries appear on my personal credit report without my explicit consent and without any active account associated with them : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These hard inquiries were made without my authorization, and no credit account was opened following these inquiries to justify their presence on my report. According to the FCRA, a creditor may only access my personal credit report if : 1. I applied for credit under my Social Security Number ( SSN ).

2. I provided explicit authorization for the inquiry.

3. An account was opened and linked to the inquiry. 
None of these conditions apply in this case.

Specific Violations of the FCRA 1. 15 U.S.C. 1681b ( f ) Lack of Permissible Purpose XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accessed my personal credit report without authorization and without a permissible purpose since I did not apply for credit under my SSN and have no accounts with these entities.

2. 15 U.S.C. 1681i TransUnions Failure to Verify TransUnion is required to verify the legality of these inquiries and provide documented proof that I authorized each one. 
If TransUnion can not present verifiable evidence, it must remove these hard inquiries immediately.

3. 15 U.S.C. 1681e ( b ) Inaccurate Information in My Report TransUnion must ensure the accuracy of the data reported. 
No active account exists with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report, confirming that these inquiries are inaccurate and must be deleted.

Requested Action I request the immediate removal of these inquiries from my credit report and a written response confirming the correction. As this situation constitutes a serious violation of the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OF BIRTH XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My name is XXXX XXXX. I am a victim of identity theft. My loan was transferred to Rushmore Servicing XX/XX/XXXX, from Rushmore Loan Management. My name has always been the only name on my loan account ( even though this loan is in XXXX XXXX XXXX ) .With access to only myself, and not any 3rd party. I have contacted Rushmore Servicing to advise I am victim of identity theft, I contacted them : XX/XX/XXXX, XXXX, XXXX, and finally XXXX. Today I spoke with a member from the resolution department in Florida, after being transferred and re-directed a lot. A XXXX  party was added to my account without my permission or authorization. The XXXX party is my estrange spouse that I am in an active divorce with. His attorney XXXX XXXX, is pretending to be my attorney, and they both together have altered and changed my information on my loan account. Per Rushmore request, I have sent in written request to remove all parties from my account, both XXXX XXXX XXXX and XXXX XXXX. Rushmore is refusing to remove XXXX from my loan account. Until a decision is made from the XXXX XXXX California XXXX as to how to proceed with the property and/or XXXX XXXX XXXX assumes the loan , I am the only name on the account, with all my vital information, my credit and I make payments to this loan, no-one else. I have requested many times NOT to breach my information to anyone, change or alter my information on my account. My information has been breached, as a result I am now a victim of identity theft. Rushmore Servicing is not in compliance of customer protection of my personal information. 
I recently found out from Rushmore Servicing Loss Department, Mr. Cooper, XXXX XXXX XXXX system verified with my un-authorized information to gain access to ensure he remove my name from an insurance check ( {$11000.00} ), and changed my address to have that check go out without my name, putting only his name on the check and mailed to himself, later changed to his attorney address, pre-tending to be me and have my permission to make those changes ( then, became a XXXX party on the account ). Then, went on, Using my information to breach my bank accounts. After I brought this information that neither person is authorized on my account and to flag it, and do not send check out - until today, Rushmore would not listen to me. All this started with breach of my information. This is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to get a corrected credit score due to a credit freeze that has already removed with them and can not get correct and update credit score
Product: Credit reporting or other personal consumer reports

I asked the credit reporting agency to send a copy of verification of a bankruptcy reporting on my credit report. I asked for the person they spoke with that had first hand knowledge and they did not. I just got a letter saying it was verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are too many inaccuracies with this account. Which is in violation of the FCRA. Everything posted must be 100 % accurate. How is that so when these two agencies are reporting different information. Please delete this account. view attachment XXXX   XXXX Date open XXXX XXXX XX/XX/XXXX Last reported XXXX- XX/XX/XXXX Experian XX/XX/XXXX Date last Active XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have incorrect information on my report. The accounts on there are closed and should show a XXXX balances. Their report shows that those accounts still have balances that are owed. I want the issues corrected.
Product: Credit card

Booked tickets from XXXX XXXX XXXX via chase portal for XX/XX/year>, due to unforeseen circumstances I had to cancel the tickets but was assured by the agent that the credit will still exist on my account for {$770.00} for future use, but will require myself to call and book. Fast forward to today on XXXX, called chase booking and ask to use my credit towards a hotel booking and was told that wasnt possible and needed to be used for flights, I then tried to book a flight and was told I cant use those credit for these flights and it must be booked thru XXXX for the same people and nothing else I inquired is there a way to get some of refund as this wasnt presented to me when I first cancelled my flight a few months ago and was assured I can use the credit for another booking in the future. This really XXXXXXXX XXXX XXXX into not being able to use it at all and Chase is just holding my money XXXX that will potentially expired and will just keep the money this is very unfair, why cant you just let me use it elsewhere on booking and any other flight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to Transunion in reference to fraudulent accounts on my credit file and incorrect address on my credit file.This has been an ongoing process to clear my name and credit file of the incorrect and fraudulent information and accounts. All I ever receive is that my dispute has been completed but the fraudulent and incorrect information remains. I have submitted numerous disputes, identity theft forms and police report. This has been going on for over a year now and I am beyond exhausted. There is an incorrect address appearing of XXXX XXXX XXXX XXXX, XXXX, GA XXXX that need s to be deleted. There are also several accounts that I have requested be blocked and deleted that were opened fraudulently. They are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Address : XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

RE : Notice to Correct Credit Report Dear _________cfpb_________ Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 




Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely. My information was exposed in a data breach okay got that XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request to delete the inquiries listed below from my credit report. To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history. With that bein said, the inquiries are violating the Fair Credit Reporting Act. Section 1681b ( c ) : Transaction not initiated by consumer and need to be removed immediately. 

XXXXXXXX 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 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 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: Credit card

I started receiving multiple credit cards in the mail and credit monitoring alerts. When I contacted the credit issuing agencies they advised that credit cards were open online in my name as the primary account holder and that there was an authorized user added to the accounts as well. The cards had transactions made by the authorized user and I did not give my information, nor did I give my permission for these accounts to be opened. The credit issuing agencies gave me enough information to file a police report, I requested that the accounts be closed, and I also filed a claim with lifelock to help monitor my credit for further fradulent activity
Product: Checking or savings account

Headway Capital provided me with a loan at the end of 2019 for equipment in my XXXX. 

Our XXXX  is not an XXXX XXXX and we were shut down. 
Numerous conversations, emails and a letter from my attorney was sent to the company to solidify their agreement that they would restructure the loan and halt future payments until they provided a new payment plan as discussed in our verbal communications. 

They never provided an alternate payment plan. 
They did not withdraw funds for two months and they contacted me to confirm that no payments would be withdrawn from my account for the months of XXXX and XXXX. 

On XX/XX/XXXX they withdrew {$850.00} from my account without approval or notification causing my checking account to go negative. 

This was in blatant violation of the agreement to not withdraw funds without prior approval. 

Headway was contacted on an ongoing basis for almost 4 months about this account and what would be acceptable for payment.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

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

I am a victim of fraud and identity theft.
Product: Debt collection

I contacted XXXX about this loan and loan amount. I only borrowed {$1000.00} and they are trying to collect more than I owe. They refused to provide me with a detailed statement when asked. These loans are a rip off and very unaffordable. These type of business should be illegal because its almost impossible to pay it back.
Product: Student loan

I cosigned a loan 10 years ago for my cousin XXXX XXXX, I believe it was a private loan. I called XXXX XXXX, they sent me to their collection agency XXXX XXXX XXXX. I spoke to a rep named XXXX and explained the situation and told me he was authorized to settle the account in full. The amount owed was {$8400.00} full settlement amount was {$4300.00}. 
I told him I could pay with a credit card but I needed receipts and a letter showing that the amount was paid in full. I received letters stating exactly that. 
I reviewed my credit report and XXXX had not updated my settlement. They reported to the credit agency that I was not paid in full. It shows a balance of over {$5000.00}. 
I have the letters sent ny XXXX XXXX XXXX stating I am paid in full but XXXX is not honoring the settlement and has reported to the credit bureau 's that I still owe money on the account. 
My cousin has disappeared no one in the family know his whereabouts, I 'm trying to settle this in good faith I called XXXX XXXX XXXX and spoke to XXXX XXXX on XX/XX/XXXX when I questioned why is there a balance still showing on my credit report she tried to extract the rest of the balance from me and I told her I already settled. She continued to say that I owed the difference. I then told her that I 'm calling the dept of Education and the dept of Consumer Affairs, she changed the whole script, she then told me that my account was closed with a XXXX balance.