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

An unauthorized money transfer on XXXX ( XXXX ). Two separate people same amount on " Paypal credit '' {$77.00} for internet for one, {$77.00} for insurance payment on other. Told them didn't by internet, insurance Contacted support an they denied my case on XXXX ( XXXX ) I have been with Pp for years and have told them never sent money to anyone. Pp says no unusual activity. This my second complaint for them in XXXX. They keep sending money and I can not shut it down. They will only put limits on $ XXXX Can not speak to a person. All computerized.
Product: Credit reporting or other personal consumer reports

i was a victim of identity theft. These accounts do not belong to me. and i have no knowledge of them. i have filed an official report that i will attach. i have also filed complaints with all companies and parties involved. Also attached is all current and up to date information Following accounts not Mine : XXXXXXXX XXXX  Account number : XXXX Date opened XX/XX/XXXX Highest balance {$11000.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Highest balance : $ XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Account XXXX XXXX Account number : XXXX Date openedXXXX XXXX  XXXX Past due amount {$1000.00}
Product: Credit reporting or other personal consumer reports

THE ACCOUNT IN QUESTIO HAS BEEN ILLEGALLY RE INSERTED INTO MY CREDIT PROFILE
Product: Checking or savings account

My Bank of America account has a negative balance of {$35.00} from fees only, not from overdrafts. I want to close the account, but Bank of America will not let me close it while it has a negative balance. They have frozen my account so that I can not add money to bring it back to a XXXX balance. Repeated attempts to close the account have resulted in more than XXXX XXXX  on the phone with no resolution. I live on XXXX XXXX and there is no local Bank of America branch here. I have an email stating that the account has been closed, but I just received another statement with a negative balance that is increasing. I just want to close the account because I had the account for years and never used it, but still they drained hundreds of dollars in monthly maintenance fees. Once I became aware of the fees and reached out to them, they did not offer me a no fee account. I just want to be done with this Bank. They are not helpful and they are predatory in my view.
Product: Debt collection

I have received a few phone calls from Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX Online Phone number is XXXX Asking if I have a debt or have cosigned a debt with XXXX ( I have never owned, financed or cosigned anything with XXXX ). I have not Financed a cars since XXXX  and it through XXXX. I have never cosigned for anyone ever. 

They start out asking that I verify my birthday to see if the debt is mine- I have arugued that tehy are not supposed to ask for Non Public Information ( NPI ) over the phone the that it is my understanding that all requests fro NPI is to made by mail. 

I told this to the rep and stated that it seems that they are Phishing for info and the rep states that they must verify my identity in order to send me or provide me any info on the debt - such as when it was opened, for how much, the status and amount owed now. 

Upon giving me an address in XXXX he tells me that I can not go to the office they only deal over the phone. 

I did look them up online and appears this complaint is very common if it was in fact truly the same company. 

Credit Control , LLC XXXX XXXX XXXX XXXX XXXX MAIL Credit Control LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX The XXXX address provided when I looked up on USPS does not exist XXXX XXXX XXXX XXXX XXXX, FL XXXX Also, I did just pull my credit report today at XXXX and verified not only that I have no debt to XXXX but also that I have no inquiries with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this charge before with XXXX XXXX XXXX and it was removed years ago. They tried to charge me an erroneous shipping charge on items that were returned and shipped with incorrect sizes. It now has suddenly shown up as a collection on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. On XX/XX/XXXX I was made aware that there were several accounts opened in my name fraudulently. XXXX XXXX for the amount of {XXXX which according to Experian was opened on XX/XX/XXXX. Also, XXXX in the amount of {XXXX} which was opened on XX/XX/XXXX. These accounts are a direct result of Identity Theft from where my information was breached in both XXXX data breaches. I DID NOT OPEN THESE ACCOUNTS. I contacted the XXXX police department and filed an official police report. I also filed a report with the FTC. I disputed this information on my consumer credit report with Experian on XX/XX/XXXX and included all documents, police report, FTC report, blocking letter as well as identifying information such as my Social security card and drivers license. Experian specialists have ignored all documents provided and failed to block this information from my consumer report. The message stated on my dispute results are " DISPUTED ITEM NOT LISTED ON CREDIT REPORT ''. However this account is listed and is reporting negatively which is hurting my credit and causing financial hardship. Experian is in direct violation of my rights under the fairs credit act 605b.
Product: Mortgage

A letter was sent via certified mail to Franklin Credit Management Corporation regarding an amount owed. This debt represents fraud, unjust enrichment, breach of contract, violations of Civil Code Sections 2924, the Business and Professions Code Sections 17200 and Fair Debt Collections Practices Act, by failing to serve proper notice of default, claiming excessive amounts due are owed, and failing to provide supporting documents. as requested XXXX XXXX, 2015. A XXXX Certified Letter was sent on XXXX XXXX, specifically despite previous letters sent on XXXX XXXX. The XXXX representing Franklin Credit Management Corporation, failed to respond to said dispute letter and continues to illegally engage in harassment, fraud, unjust enrichment, breach of contract, violations of Civil Code Sections 2924. et seq,, the Business and Professions Code Sections 17200, et seq., and the Fair Debt Collections Practices Act, by failing to serve proper notice of default, claiming excessive amounts are owed, and failing to provide documents. NO assistance was offered and not effort was made in compliance with California Civil Code Section 2923.5 ( e ) to contact the borrower to discuss the borrower 's financial situation and to explore options for the borrower to avoid foreclosure.
Product: Mortgage

I have been hunting for a company that will improve the first time homebuyer mortgage. I have been employed for 10 months with a recruiter/temporary employment agency that has worked with XXXX XXXX XXXX XXXX 30 years. I have been offer and conditioner employment. The underwriters will not except my application because of the nature of the company that I am working through at the automobile manufacturer plant. In addition, I have had discussions with brick and mortar banks, and online lenders. Every time one of these companies checks my credit rating my score goes down. This is making it very difficult for me to get approval for a mortgage. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, was a victim of identity theft, and my FTC Identity Theft Report is attached. This notice and further proceedings of compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my written consent/authorization to any 3rd party affiliate CRA to share my information with the following accounts ; please be advised that furnishing data without consent is the same as committing identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I started receiving a bill from XXXX XXXX in XXXX of 2022. I thought it was spam mail so I ignored it because I monitor my credit and none of the three bureaus were reporting a XXXX XXXX account in my name. After 3 months my credit dropped over 100 points due to the XXXX XXXX showing up on my credit with no payment made on XXXX XXXX worth of charges. I don't understand how a fraudulent card/account was opened in my name and not receive a 'ping ' from XXXX XXXX  or any of the bureaus like I usually do when I authentically open up a credit card account. I also never received the card, only the bill. How can someone open up a credit card fraudulently and a company mail the card to another address in another State? XXXX XXXX was informed of this when I spoke to them and they referred me to this website. Not sure why... so I am filing this. I also filed fraud with Transition, XXXX and XXXX. I want XXXX XXXX to remove this negative information from my files ( 3 bureaus ). When I spoke to them they said 'oh yes I see this isn't you ' but they don't give me any other information other than the card was mailed to a different address in another state ( good grief ). Why would they do that? That is a red flag! They seemed to know that this was fraud.
Product: Credit card or prepaid card

XXXX is having direct deposit problems, they blame Netspend and I can not access my money and Im having a big problem with my mortgage payments. XXXX or Netspend did not give any heads up on this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

Today on XXXX/XXXX/XXXX I called Transunion, since there was a 35 point drop in my credit score. My Transunion report was missing tons of information. When I asked why my credit scorXXXX at Transunion had dropped 35 points, he said he had no idea as well. I think proceed to ask the representative what my credit score was. He said because XXXX XXXX was a third party site ... my credit score was a different with Transunion. I then procced to ask him if he could tell me what it was, he said that he could not give me the number over the phone, then put my on hold. Then came back from hold and told me if I wanted to pay {$9.00} he could give my credit score and that he would n't give me the number because my credit score apparently only belongs to Transunion and unless I pay the {$9.00}, I would not be able to get my score.
Product: Credit reporting or other personal consumer reports

THIS IS NOT OKAY. There are accounts and transactions under my name which are fraudulent or have resulted from fraud and I have never benefitted from any it. It's making me anxious and stressed out, I have already reported this to XXXX  but they are still appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving letters in the mail for a while now about me owing child support money. I am not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX  due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. 

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: Payday loan, title loan, personal loan, or advance loan

I use this application for cash advance payday loans. I am forced to use the savings feature, which randomly debits random amounts of cash from my personal bank account
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX Balance : {$8800.00} U S DEPT OF ED/XXXX XXXX Balance : {$2600.00} U S DEPT OF ED/XXXX XXXX Balance : {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Mortgage

I purchased my home in XXXX and Shellpoint Mortgage is the latest mortgage servicer. This is my primary residence and I live her with my wife and four daughters. Our hardship began in XXXX of XXXX when the XXXX pandemic hit. My job at the time involved inspecting people 's homes, which required much traveling throughout XXXX California. My job brought in a higher income for me because as an independent insurance adjuster, I made extra money off of mileage and overtime. Because of the pandemic, I had to cease all travel and could not be exposed to the public because catching the virus would be especially harmful for my family. I have XXXX and all XXXX of my daughters have XXXX. One of my daughter 's has an immune system compromising XXXX as well. In addition, my wife and I are the sole caregivers of my wife 's elderly mother who has XXXX XXXX. Because of all of this, my employer at the time allowed me to work strictly from my home office and adjusted my duties so that I wouldn't have to travel. Unfortunately, this was only going to be a temporary situation and as the pandemic continued and during this time, my income dropped dramatically because I was no longer getting the extra hours and income from the mileage. This continued through all of XXXX and into XXXX until my employer required that I go back to my regular duties, which I still could not do because of the pandemic. In XXXX of XXXX, I took a position with another company, XXXX XXXX, which allowed me to work from home permanently without having to travel or be around the public. My income increased only slightly, but still nowhere near what I was making before the pandemic. 

Shellpoint Mortgage allowed me to be in a forbearance program for the entire period until the moratorium ended on XX/XX/XXXX. I have tried to work with them to bring my mortgage current and resume my original payments, but they are continuing with the foreclosure process. They have allowed me only one option which was a payback plan. I owe over {$42000.00} in back mortgage payments and the plan they wanted to set me up in would require that I pay {$39000.00} down and an extra $ XXXX/month for six months. I don't feel asking for {$39000.00} ( due on XX/XX/XXXX ) is reasonable. They said I do not qualify for a payment deferral or modification and the repayment plan is the only option. If I can't come up with the {$39000.00} by XX/XX/XXXX, they will foreclose on my home. The have already started the foreclosure process and are working on establishing a sale date.
Product: Credit card or prepaid card

I didn't get my ebill from Bank Of America for my XXXX XXXX credit card ending in XXXX in XXXX. I received a late payment notice along with late fee and interest fee. I called to get this fixed and have spent the last 3 weeks with phone calls and a visit to a local branch trying to pay off my balance. They showed a payment going to an acct. ( XXXX ) which had been closed XXXX XXXX They are now processing dual payments one for {$3500.00} ( incorrectly ) and one for {$4800.00} ( correct ). I was told each time that I called that the problem would be fixed or that a supervisor would call me to fix it. This has not happened and now ( XXXX ) Bank Of America says that the information they gave me on XXXX was incorrect and that they can't stop the the incorrect payment. They can only issue a refund after being processed.
Product: Checking or savings account

I had deposited 2 checks at my Bank of America, Checking account on XX/XX/XXXX. The checks were for {$7000.00} and {$7500.00} drawn on my XXXXXXXX XXXX account. I was informed that the checks are put on hold and will be credited on XX/XX/XXXX. However, I found that XXXXXXXX XXXX had effected the transfer and reduced the balance available on XX/XX/XXXX. I was shocked at this practice and would like to know answers to - ( a ) a decade earlier the same transaction was given credit the next day. Has the inter bank clearing system in USA deteriorated over time that it now takes a week to give credit. This time lag is similar to the one that existed before electronic bank check clearing was introduced. and ( b ) who is enjoying my funds and its interest during this intervening period.
Product: Debt collection

They send mail to an address that I was not living at for some years as I took the card out in college I was not notified that action would be taken in 2006
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XX/XX/year> 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

How did you verify that the account mentioned below was accurate, true and verifiable when you are the only bureau reporting this account? 

In compliance to 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Your agency is in violation!

15 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts 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 XXXXXXXX XXXX XXXX # XXXX Third-Party Collection Agency unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtorsaccount ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which XXXX to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.
Product: Mortgage

I have requested that NJ LENDERS produce anything to show that the paid off my original XXXX purchase mortgage when I " refinanced '' in XXXX I have also requested that NJ LENDERS provide proof of discharge of the mortgage. I have requested this information about 10 times and get a heap of papers that does NOT include what I requested. 
The deed and title insurance location are no where close. The closing attorney XXXX XXXX XXXX refuses to cooperate with anything. The sellers closed with Power of Attorney and the signed certified records show that the sellers sold me XXXX XXXX XXXX XXXX NJ and NOT XXXX XXXX XXXX XXXX, N.J. XXXX XXXX XXXX XXXX  who bought XXXX XXXX XXXX XXXX has no record of the mortgage. NJ XXXX HAS NO RECORD OF PAYING OFF MY ORIGINAL XXXX PURCHASE MORTGAGE WHEN I " REFINANCED '' WITH NJ LENDERS IN XXXX AND THEIR IS NO DISCHARGE RECORD. 
I HAVE REQUESTED A COPY OF THE CANCELLED CHECK PAID TO XXXX XXXX XXXX   AND A COPY OF THE DISCHARGE ABOUT 10 TIMES AND NJ LENDERS CONTINUES TO SEND ME A HEAP OF PAPERS THAT DO NOT INCLUDE ANY PROOF OF PAYMENT OR THE DISCHARGE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
15 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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