23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I made a purchase on XXXX in XXXX of XXXX. It was for a preorder of a figure by XXXX called XXXX XXXX. It is item number XXXX and is in the amount of {$180.00}. So the products of XXXX are always in high demand, and they sell out very quickly. I trusted this seller due to a positive feedback rating of 98 % with over XXXX transactions. I had no reason to question my purchase, until I got scammed by this seller. I have waited for such a long time for this item to release and now that it finally has, the seller says he doesnt have it and wants me to wait for more to be produced. I contacted the manufacturer myself and he said that they will not produce more for atleast another year. So, I asked for a refund, which he told me he would give me, but I have yet to see it. I have included conversations of our messages during this time to prove that I still havent received the item. I have contacted XXXX, and they refuse to help me since Im no longer in their 30 day protection window. PayPal also refused to help me, saying that Im past their 180 day protection window as well. I even called them on XX/XX/XXXX and spoke with two people as well as a manager. They refused to help me knowing that I never received the item that I preordered. I feel that because of my unique circumstances stances of being a preorder, I should be protected regardless of their policy which doesnt mention preorders. Bottom line is that I never received the product I paid for and both companies have let me down in a big way. I have been a loyal customer for 15 years and this is how they treat me. My last hope was to communicate with this seller, but he knows he already has my money, so he doesnt have to send me anything. He is a seller from XXXX named djfungshing and Ive been finding out from people online that theyve been ripped off by this guy since he was under another name called XXXX XXXX as well. The PayPal representatives even admitted that theyve had complaints about this guy, but couldnt do anything about it. I just hope that you can help me.
Product: Debt collection

Sent debt validation to company in regards to alleged debt owed on XXXX, no response or proof of contract/proof of debt owed returned. Credit report showing balance of {$1500.00} that is not owed
Product: Student loan

The promissory note states that I " must '' provide XXXX separate references. The note that you attached fails to state what you will need that for. Are the references needed to find me in the case that I am not communicative? The question I need you to answer is, if the purpose is to not discuss the defaulted loan with the references, then what was the purpose of calling the references? I also have proof that you have contacted individuals outside of the references listed in the note. Please provide explanation as to why? 

You state that I failed to " return phone messages from ECMC or to contact our Collections Department to discuss options. '' I am reattaching all of the communications that I have had with ECMC as I was always in contact with your department to seek a just solution. From the onset of my communication with ECMC, I stated my preferred method of communication on XXXX XXXX, XXXX ( please review Communication XXXX ) as my email address. Please refer to the XXXX XXXX, XXXX email ( Communication XXXX ) where XXXX XXXX confirms that " I know that your preference has been email. '' As I have confirmed on multiple accounts my willingness to communicate with ECMC and to find a resolution, please explain why you do not honor this request and contact me via email as this is the method of contact I have requested instead of calling me? Please explain why you continue to call these references, and those who are not listed as my references? If you did not discuss my defaulted loan, what did you want to discuss with those listed as my references and others outside of these references? You state that " ECMC has a continuing obligation to use all methods prescribed by federal regulations to collect the student debt from you. '' If you are attempting to collect from me, and I am communicating with you as evidenced in the communications attached, why were you calling other people? Was it to collect from them when they are not obligated to pay the loan? 

Currently, I am in communications with XXXX XXXX, your manager in XXXX via email as I have requested to work on a resolution. Please have all of your departments contact me via email as originally requested. Do not call anyone else concerning my loan. And please answer every question in this response. You have not answered these specific questions in any of your prior correspondence.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Reference Case ID XXXX Ive contacted Navient regarding my student loan. And the extreme interest being paid Ian on an interest only payment plan which should have ended sometime ago. I paid on time, every 2 weeks and paid more than the requested amount however my yearly interest paid continues to go up and the loan balance hardly budged. Im concerned Ian being scammed somehow as they can not is cola in this. XXXX was the end of the interest only however it was the most I had paid towards interest almost XXXX more. I have asked for a very detailed statement for the past several years, asking to explain the payment breakdowns, balances, interest etc. I believe they are not being honest with this loan and request it be resolved. I have paid XXXX in interest alone since XXXX ... and my loan balance hasnt moved but slightly ... something isnt right. 
Please help
Product: Debt collection

West Asset Management continues to call me for a debt owed by XXXX XXXX XXXX. My name is XXXX XXXX XXXX. They are calling more than once a day. Once with a person who says they will take my number off and once with a robo call that does not give me the option. I have asked then to stop repeatedly. They refuse to do so. this has been going on for over XXXX months. Recently I have had other debt collectors start trying to reach me for the same person 's debt. It think they got my number from West.
Product: Credit reporting or other personal consumer reports

I am taking steps to have these accounts disputed and investigated due to their wrongful reporting on my credit file. The Fair Credit Reporting Act entitles me to {$1000.00} for each mistake. I know that FCRA 605B requires us to report any incorrect information on a consumer 's credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. The following accounts are listed below : XXXX XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXXXXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$6000.00}, XXXXXXXX XXXX  XXXX Balance : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As a young girl I had no idea about the affect of rates and XXXX and not been schooled by regulators like the cfpb mso following the fair lending act was not a priority. Following a few unauthorized chages and taking my dying father on some trips before he past I began to strugle with the payment and had noidea howt o argue the unauthorized items. 

Never the less, XXXX XXXX XXXX continues to practiceshady principles byenetering reporting dates of XX/XX/XXXX when the account was closed inXX/XX/XXXXmorethan13 years ago. The items SHouldhave been removed on time alone but Icontinue to struggle with the CRA 's to take notice and remove them and they continue to rob our right of a full life that my husband and I deserve. 

FCRA laws point to the fact these should be removed desopite XXXX  XXXX XXXX shady reporting and zim hoping you folks willbring them backto reality.
Product: Credit card

American Express, inquired on my credit report. I sent a certified letter to American Express at their correspondence address advising I did not recall said inquiries or application to Amex for any of their services. I explained if they found I was in remiss to send all supporting documents to me for review. The time American Express is allowed by law has transpired and the inquire remains. I have tried to call several times however, American Express elected not to have fraud in America, in an effort to protect my self from Id theft I refused to provide my social security number to any agents other than those in the U.S. which is at my sole desertion. American Express has informed me that I am XXXX and elected to disconnect several times. Sadly.
Product: Money transfer, virtual currency, or money service

Hello, I was instructed by my case manager at XXXX XXXX XXXX to submit a complain here because I was scammed in XXXX and it has been difficult for them to get a solution from the scammer 's bank. I was scammed by a guy called XXXX XXXX. At that time, I didn't know him but he kept talking to me until he got my trust. After 4 months he asked me if I could store his belongings at my place for a period of time until he gets out of the military which I accepted. After three days a company, named XXXX XXXX XXXX, contacted me to verify my information and after a couple of days they asked me to send them money to pay for XXXX ' belongings which I declined at first because I only had to receive the items. I was threatened several times and they said that if I don't make the payment I will get in trouble with the authorities ( FBI ) because there is " money '' in the box XXXX XXXX sent. I was so confused and I didn't know what to do and because I didn't want to get in trouble with the authorities, I ended up paying the money. Since then, they came up with stories which, I believed, and I paid more money ( Wire transfers & via crypto ) until I put a stop on this on XX/XX/XXXX. I reported this to the local police and also, I contacted and paid a private company to investigate them. Come to find out they don't exist and they are scammers from XXXX. I believe they work with other XXXX here located in the US because the bank account I sent money to has a XXXX name and also when I called and answered the phone I could hear his XXXX accent. The private company contacted XXXX XXXX XXXX  and they are assisting me in my case as well. XXXX XXXX XXXX  contacted a lawyer they work with and the lawyer wrote a letter to Bank Of America on my behalf. Please find attached the letter, the police report, and the private company 's report about their findings during their investigation. Also, I'm attaching the wire transfer that I sent to the scammer or the one helping the scammer out and other documents for your review. 

If you need more information, please do not hesitate to contact me for further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the correction of one 30 day, and one 60 day lates that are currently reporting on my account ending in XXXX. This is a business card that was paid off in full as of XXXX of XXXX, and hasn't been used since then. 

I requested that this business account be closed in XXXX of XXXX via a phone call to Chase XXXX XXXX as I was leaving the company and didn't want to have a card associated with a business I am no longer affiliated with. 

However, the card was not closed properly, and I had no way of knowing that the card was still open as I specifically recall requesting the card cancellation after paying off the balance in its entirety As the card was NOT properly canceled, I was apparently assessed an annual fee in XXXX of XXXX, of which I wasn't aware of. Chase attempted to draft money from an old bank account and the payment was thus returned. I didn't know this was happening since as far as I was concerned, the account was closed. * I later found that this was happening after being alerted by my mortgage broker that I have two lates reflecting on my credit for the months of XXXX and XXXX of XXXX respectively. 

I was notified by my mortgage broker that my scores have declined over XXXX points due to the late reporting from Chase. I have never seen this account on my personal credit and had no reason to believe that an annual fee would be assessed on a closed account. Chases failure to adequately close the account as requested resulted in 30 and 60 late reporting on my credit, and subsequently dropped by credit score over XXXX points. I am asking that this account is canceled as requested in the past, and that the late reporting is corrected, as the fee should have been assessed in the first place. 

I have several accounts with Chase and have never been late once on any of them. I shouldn't be held accountable and marked late for a fee that wasn't supposed to be charged in the first place.
Product: Vehicle loan or lease

I had a prior lease with Ford Motor Credit, and recently entered into a new lease agreement. I had the prior lease set up with automatic monthly payments through my bank that wasn't canceled and Ford credit received the payment. Ford credit sent me a letter requesting where to apply the payment, Reference #  XXXX XXXX, on XX/XX/XXXX. I called on XX/XX/XXXX and spoke with a senior analyst who said she'd send an email to investigate and apply the payment, and I informed them I'd make the payment for the remaining monthly balance on XX/XX/XXXX. I made the payment through the online account manager to be paid in full for XX/XX/XXXX, prior to any late charges being owed. I received a call today from a Ford credit collections representative who told me that my account was past due, and no payments have been applied towards my account. I asked to speak to a manager to get this resolved, sat on hold for 10 minutes and then was hung up on. I've attempted to correct the issue, I tried working with Ford credit and fear they will negatively report on my credit unjustifiably.
Product: Credit card or prepaid card

I have been with AMEX for a year now, and yesterday XX/XX/21 I tried to do a credit limit increase but they declined. This was not the first time I tried to increase my limit. This is my XXXX time attempting to increase my limit. However, when I logged into my account yesterday, I was eligible for a product upgrade from the XXXX XXXX to the XXXX XXXX. Then, when I logged in my account today, I was able to upgrade my card yet again to the XXXX XXXX. Its sickening how I can get a product upgrade XXXX times in less than XXXX hours apart, but cant get a credit limit increase. Not to mention, the credit limit that I was given doesnt match the status of my card level nor does it fit my basic needs anymore. It was fine in the beginning because I was just getting in. Now that I have proven myself, my request should be granted with no issues. What I have asked for is nothing compared to what I know some people have asked for. Honestly, I feel like AMEX is XXXX. Im not the only person who is dealing with this issue. They give you a bunch of excuses as to why they cant do it, instead of looking at the overall picture. If you can upgrade someones product XXXX, then you can give them a simple credit limit increase. Im beyond frustrated and feel like Im being racially profiled. Also, when I asked for my new card to be shipped out in XXXX to XXXX business days, they cant do it. Thats something else that I dont get because when I switched from my AMEX XXXX to my AMEX XXXX, it was definitely done. Its all the rules and regulations for some customer and changes for a certain group of people and that is what this all comes down to. I have other high limit credit cards so I dont want to continue to hear these same excuses. AMEX tells lies when they say they want to build a relationship with their customers. This only applies for the XXXX race. Im sick and tired of this merry-go-round with this company.
Product: Mortgage

every year, i call and get the ecrow analysis revised because of errors such as added default reserve to escrow etc. I am monitoring, tracking and reporting since 2014. 
since last year PENNYMAC LOAN SERVICES, LLC moved the escrow analysis date and forced me to pay additional amount in their every year increase in the month of XXXX and onwards. 
i have to be pro-active to make sure 1. i request escrow analysis 2. PENNYMAC LOAN SERVICES, LLC do not send hard copy of escrow analysis even after i repeatedly requested this year. 
3. i have to find errors and request every year to revise the escrow analysis.
Product: Debt collection

afni has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. Afni has threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me.
Product: Credit reporting or other personal consumer reports

This issue just got created on the cfpb feedback portal at XXXX on XX/XX/XXXX and is a brand new issue so XXXX XXXXXXXX XXXX XXXXXXXX , Trott Law and XXXX XXXX Bank foreclosure can not lie as always and say this is a duplicate or go ahead and Lie and risk getting Fined by the CFPB. 


Admit that there are no such document as an informational title search clearance as XXXXXXXX XXXX from XXXX XXXX presented title commitment XXXX as title commitment in court XX/XX/XXXX under XXXX at XXXX XXXX court before judge XXXX and convinced her . 


Admit that after your review together with the CFPB oversight on the feedback page under XXXX Legal Department complaint no. XXXX, CONFESS THAT I AM OWNER THE TRUTH OR BE FINE.
Product: Credit reporting or other personal consumer reports

I am disputing the following late payments reporting on my credit report. I believe that these are inaccurate. It is my right to get a fair investigation into this as i have proof that the following late payments reporting are incorrect and believe that they are appearing as an error. I received a copy of my credit report and found the following item ( s ) to be in error : Under 15 USC 1666 Billing Error this account is inaccurate and i did not incur any late payments. Please update this to paid on time. This account was paid and closed i need this to be updated to paid on time with NO LATE PAYMENTS reporting. 

XXXX. Under 15 USC 1666 Billing Error XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME I have attached proof that all these payments were made I need this changed immediately it is hindering me tremendously from obtaining new credit and needing to make financial decisions. 

I have also attached my License and Social for proof of identity
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which Equifax failed to resolve.. Their investigation did not prove the bankruptcy is mine. They said they have verified it but did not give details on how their investigation went.. The courts don't report public records to credit bureaus..CFPB step up and remove this error Bankruptcy : Discharged CH-XXXX XXXX
Product: Mortgage

I am writing to file a formal complaint against Select Portfolio regarding the mishandling of my late XXXX XXXX XXXX mortgage loan, unauthorized signatures on loan documents, and improper foreclosure proceedings on his property located at XXXX XXXX XXXX, XXXXXXXX XXXX 

Background Details : In XX/XX/XXXX, my father, XXXX XXXX, an XXXX veteran, was hospitalized and passed away shortly thereafter. At the time of his passing, he held a current loan on the property at XXXX XXXX XXXX, XXXX, XXXX All payments on the loan were made on time prior to his hospitalization. 

After his passing, I took over his estate in the state of Texas and contacted the mortgage servicer regarding the loan. The servicer claimed that payments were behind and the house was facing foreclosure. However, during this time, unauthorized payments had been withdrawn from his XXXX XXXX account, which I believe contributed to the alleged delinquency. 

Key Issues : Unreasonable Payment Demands : Despite my efforts to pay what I could to bring the account current, the servicer refused to accept partial payments and demanded a lump sum of {$XXXX} or nothing at all. This unreasonable demand made it impossible for me to prevent the foreclosure process. 

Unauthorized Loan Documents : In XXXX, I worked with a short sale representative to settle the matter, and the property was supposedly sold. However, I later discovered that my credit profile now lists me as a signer on a conventional loan associated with the property. Additionally, there is a special warranty deed on file with the XXXX of Texas that contains my signature, but I never signed any such documents. 

Inaccurate Credit Reporting : To this day, the loan remains on my credit profile as though it were my debt, despite repeated attempts to verify with the servicer that I did not assume or agree to any responsibility for the loan.

Improper Foreclosure and Emotional Harm : As a grieving daughter and a single mother at the time, the foreclosure and subsequent move-out process caused significant emotional and financial strain. The rushed move forced me to dispose of many belongings, further compounding the stress during an already difficult time. 

Alleged Violations : Unauthorized Signatures : If my signature was falsified on the loan documents or warranty deed, this constitutes a serious violation of both federal and state laws, including potential fraud. 

Unfair Servicing Practices : Refusing to accept partial payments and demanding an unreasonable lump sum of {$10000.00} likely violates consumer protection laws under the Real Estate Settlement Procedures Act ( RESPA ) and other applicable regulations. 

Inaccurate Credit Reporting : Reporting a loan as though I were a signer when I never authorized or assumed responsibility for it is a violation of the Fair Credit Reporting Act ( FCRA ).

Failure to Protect Estate Rights : The mishandling of my late fathers loan disregarded the rights of his estate and may violate protections afforded to veterans and their families.
Product: Credit reporting

On my credit wise scores it does n't list none of my oldest loans from my bank nor any of my bank loans. I have never even been late on my payments. I believe that if reported that would greatly increase my credit score, thus saving me greatly on loan interest and insurance rates .I would deeply appreciate your looking into this for me. THANK YOU XXXX