23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

MOUNTAIN RUN SOLUTIONS LLC has reported me to credit bureaus for a contract that they claim I owe from XXXX for {$700.00}. The claim and contract is fraudulent. It's not mine nor do they have any information to tie it to me except a fraudulent contract not filled out or signed by me. They continue to intentionally cause harm to my credit rating in an attempt to extort money. I have never heard of the claim until now. 

MOUNTAIN RUN SOLUTIONS LLC ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Debt collection

This Company was hired by XXXX XXXX XXXX XXXX who I was forced to use by my doctor XXXX XXXX, for two dates of service they submitted the bill to XXXX XXXX XXXX XXXX XXXX in 2016 For the mount of XXXX They were paid by a check for their services then they came back and said they were billing three years later for another date of service that I had XXXX XXXX supposedly paid to me I still cant find a copy of that check which I requested from XXXX XXXX, However I paid them back via XXXX XXXX in my settlement {$240.00} this should of never been sold to a third party as its medical records and they are violating Hippa and they were paid. The lawyer threatened to sue me for the difference,
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to to XXXX to apply for XXXX book end was not approved. It really didn't bother me or did I think anything about it. Last week I went to apply for car and was not approved, At this point I'm a little worried. I have reached out to the FTC and my local police department and I am doing this on my own behalf. I pulled my credit and see items on there that I don't know anything about XXXX XXXX XXXX XXXX XXXXAcct # XXXX, XXXX XXXX, XXXX XXXX XXXX end XXXX XXXX. Thank you for you help with this.
Product: Checking or savings account

Chime closed my account without notice or warning whilst the account had {$2700.00} dollars in it .... Then when I call I get told that the account has been closed and I would not be receiving any remaining funds back that were in the account .... The money in that account was from my insurance company cause I was recently involved in a car accident and that was my pay out from them .... I have a XXXX XXXX and a XXXX XXXX ... That was the pay out from my insurance and there going to tell me we're keeping your money and we don't need to give you a reason??? I'm certain that's illegal here in the United States and there must be something that can be done about this.
Product: Payday loan, title loan, or personal loan

Received a voicemail with a case number and a callback number. Immediately after receiving this voicemail they called my sister trying to track me down. They were looking for me under my former married name which was legally changed back to my maiden name in XXXX as part of my divorce. I was told I was speaking to XXXX XXXX with XXXX XXXX XXXX XXXX. I was told I was going to be sued by VIP Loan Shop for breach of contract and malicious intent to evade payment. I was told they sent me a letter via standard mail XXXX days ago informing me of my debt. I never took out a payday loan. They claim the loan was taken in my name under my social security number and date of birth in 2010. I asked why this was just now being brought to my attention XXXX  years later. When I informed her I must be a victim of identity theft she kept repeating that I was ethically responsible for the debt, and because they hadn't received a response to their later they proceeded with a process server to issue me a summons to court. I asked her how I was supposed to respond to something I never received she told me she was a neutral party and could only tell me my case was going to civil court. They claim the loan in XXXX was for {$990.00} but due to interest I know owed {$1700.00}. She also told me my account showed in good standing in 2010, but just recently went delinquent. There were too many inconsistencies and refusal to provide information. Upon researching it, the initial phone call came from Rent To Own Hm XXXX. This phone number appears to belong to a bakery in XXXX, XXXX. The numer I was give to call back was XXXX. The person answering refused to give me a business name. None of what I'm be accused of happened as I regularly check my credit report and no payday loans exist. I advised XXXX that I was filing a police report for identity theft and would hire a lawyer if necessary. She then told me " hiring a lawyer will be really expensive and you'll also have to pay court costs unless you resolve the debt. '' I told her no thanks, I would proceed with the police report and lawyer.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment of {$60.00} and accidentally made a XXXX payment on XX/XX/XXXX. I reported it on XX/XX/XXXX and they told me a check was sent out on XX/XX/XXXX. I never received the check. Thanks.
Product: Mortgage

I'd like to formally submit a complaint against Shellpoint services for transferring over my mortgage from XXXX and basically making a mockery of cfpb transfer rules in place in the way they don't follow any of them. 

The attached statement alone shows of the fraud by XXXX. It took 10 years for me to pay off XXXX of loan and get it down to XXXX, and it took Shellpoint and XXXX 2 years you put back on a d even add XXXX. That's fraud. 

Shellpoint had the audacity to even hurry me through a foreclosure and get rid me. Then tried to say my options were modify my loan, at XXXX ( XXXX more than original note ) or sell home to them. 

So let 's start with intial transfer amount. I need thorough explanation on how you can to amounts in the attached 1st statement. Plus how you can just talk on XXXX like nothing you see in the activity of another statement ( also attached ). This is flat out fraud and discrimination for singling me out. 

They are literally showing they can and will do anything they like and those regulating them do not matter at all. If did, they would not be flying off the hinges like this doing whatever they like. I've received no nts for any foreclosure from Shellpoint. No explanation on how they configured amount. I'm just supposed to sit here and take it. Not happening.

I need Shellpoint to 1st explain these transfered amounts. Full explanation. 

Also copy if previous email I went off on them about all this will be attached in the rebuttle as well as screenshots of being in pre forclosure status taken this last XXXX. Not notified by them. I found out by just researching my home online. XXXX has tried to hold me down but now can't. I will come forward with everything. Including all violations by Shellpoint!
Product: Mortgage

RE : LoanCare Acct # XXXX or XXXX Acct # XXXX A few months ago, LoanCare took over servicing my XXXX XXXX. Since this transfer, I have been receiving constant mail communications regarding my account being in default. 

In 1st week of XX/XX/2019, I spoke to a phone representative and confirmed with this representative and that they would take care of these issues. The representative stated that these were their transition issues and that they would take care of it and post my XXXX and XX/XX/2019 payment to my account. 

In early XX/XX/2019, I spoke again to another LoanCare representative only to have to repeat myself and share with them that the XXXX and XXXX payments were made and that the XXXX mortgage payment had already been paid as well. Again, they stated they would take care of this situation. 

My XXXX Checking is showing that payments have been sent and checks cashed in XXXX, XXXX, XX/XX/2019. I have contacted XXXX to investigate payments made and to contact LoanCare. 

I have requested in email and in mail writing to LoanCare on XX/XX/2019 to resolve these issues. The email address I used was customersupport@myloancare.com and I sent letters to 4 LoanCare addresses in XXXX XXXX and XXXX. 

I understand that these loan transitions from 1 company to another ( and not by my request ) can be complicated but this shows a lack of organization and customer care for customers. In the end, the consumer/customer suffers by having to resolve these issues with potential financial and credit bureau harm. 

Best regards, XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is related to the complaint id XXXX. And now is one month after they reply through CFPB, but they still not return the money to original which is my XXXX account!
Product: Checking or savings account

I had this problem with cash app I started off with the balance of XXXX cents. I received a cash app of {$10.00} which brought my balance up to {$10.00}. made to purchases at a vending machine with my cash app card one for {$2.00} another for {$2.00}. Am I balance on cash app end up only being XXXX cents after these two transactions I contacted cash app through the chat on the cash app app spoke to someone and they told me I made a purchase of {$1.00} twice and they told me my balance was {$7.00} and when I went to go look into the app of my balance it was {$7.00} later that evening I went to the corner store and I made a purchase of {$7.00} the corner store charged me XXXX cents to use my card. Today it was a different story The person that I spoke to at cash app altered my transactions and my account. The way cash app handle the situation they said that the vending machine charge the tip to bring the amount back up to where it was supposed to be now my account has a negative balance. It's a very small negative a balance It's around XXXX cents just under a XXXX  but the thing is I made a complaint about the situation and told them that the purchase that I spoke to yesterday altered my account and I'm out that I had in my account first of all how can I end up only with XXXX cent balance when I made a purchase under {$5.00} with my account balance originally was what's {$10.00} and XXXX cents and then how could my transaction get altered to only come to {$3.00} of purchase claiming that the transactions were {$1.00} each of two transactions I know this is a very small amount of money but just imagine if this was a large amount of money this would be unacceptable. And the top it all off I couldn't even get a straight answer on what happened about the situation and then it took me three different advocates to get this one simple answer I was trying to cover the negative balance of XXXX some cents my question was if I deposited money with that covered the balance nobody could answer the question they kept on reading from some sheet saying we can not answer your question on further on this matter. Other option was to dispute it and it would take 10 to 45 days I didn't want to make a dispute about XXXX cents just under a dollar and wait that long. I'm kind of iffy on using this app anymore because someone on a cash outside can alter your your transactions and alter your balance I heard other horror stories from other people that involved a lot more money and I never had a problem of cash app like this until yesterday I dig this place needs to be investigated It's probably some shady characters working there skimming money from people 's account. I took screenshots almost at a conversation I didn't send them all but if you need to see more of the conversation I have more. Or you can get it through cash app unacceptable.
Product: Credit reporting or other personal consumer reports

The 3 credit bureaus data were breached. XXXX, Transunion, and XXXX have continued to report false information on my credit report. 

The latest to have my information corrected was to no avail. They continue to report student loans that have been discharged, and hard inquiries that I didn't apply for. Credit cards I didn't spent. 

The whole thing is a mess. Why do I have multiple addresses on my credit report?
Product: Money transfer, virtual currency, or money service

Customer service was non existent until the XXXX XXXX or so. No option for calling only chat. Very rarely did anything get solved. Also several disputes were completely dismissed resulting in unnecessary loss of funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint and seek your assistance in conducting an investigation regarding unauthorized hard inquiries that have been undertaken on my credit report without a permissible purpose. These inquiries violate the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ) ( 1 ), and I request your intervention to have them promptly removed from my credit report. 

Upon reviewing my credit report, I have identified several hard inquiries initiated by these companies. To the best of my knowledge, I have neither provided any consent or authorization nor have any business or financial relationship with the entities associated with these inquiries. 

XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXL XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. EQUIFAX MORTGAGE XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX FCU XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. AMERICAN XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX To aid the investigation, I have attached copies of my dispute letters to the credit bureaus and a copy of the F.T.C. report. 

Thank you for your attention to this complaint. I'm looking forward to a quick solution to this issue.
Product: Checking or savings account

I repeatedly tried to transfer funds from both my Marcus savings account and my Apple Card savings account ( administered by Marcus ), but Goldman Sachs/Marcus refused to execute my transfers as requested and even locked my account to bar me from transferring my money out of their bank. When I tried to unlock my account by calling their customer service line, they put me on indefinite holds, promised to call me back but never did, and said they didn't understand why my account was locked and couldn't do anything about it. Effectively, they locked my money in their bank and acted like they were powerless to do anything about it. At this point, I can't get to my money and feel like I am being defrauded.
Product: Mortgage

i have had a mortgage with PENFED for approx 4 years- in spring i received a note that my insurance had lapsed and that the mort company had secured a policy and aded to my escrow i called to advise them that i indeed had insurance and apparently there had been a lapse of apron 2 months as my insurer stopped covering florida - my agent didn't notify me - as soon as i became aware i called and got new insurance and advised penfed in may my mortgage payment suddenly shot up XXXX month- i spoke ww the company advised what happened and they supposedly fixed the account i today received a letter saying my account was delinquent when i spoke w the penfed rep i was informed that it was because i had no insurance i went through the same call explaining i in fact XXXX have insurance and asked to speak w a supervisor nobody has called me back i do not want this damaging my credit report and i want any late fees credited back please advise
Product: Mortgage

The Loan Depot called me and asked me to allow them search for lenders. I told their agent, I was not interested in getting a loan. 
Afterwhich, now I am getting bombarded by lenders on my phone.
Product: Credit card or prepaid card

I can not get CitiBank to properly apply my payment that I made on a XXXX % advance. I have made several attempts to rectify the problem with CitiBank and have previously made a claim. They did make an adjustment but failed to handle it properly as my 0 % advance is now being charged at 18.74 %. This should show as completly paid on XX/XX/XXXX. I was instructed by CitiBank to pay it XXXX day after the expiration date so that it would then trigger moving to a higher interest rate and my payment would then be applied toward that higher rate. I did as instructed and paid additional. I have fought with them ever since as they ended up applying the payment to an advance that was at .99 %. After my last complaint they did make an adjustment but for whatever reason, only showed a portion of that original transfer as being paid and as of my last statement they are still showing that I owe {$2600.00} at 18.74 %. I have another 0 % transfer expiring on XX/XX/XXXX but they have made it impossible to pay it down. According to their policy, any additional payments are first applied to the higher the amount with the higher interest rate. So, even though I have already paid the one that expired in XXXX, they did not put the entire payment toward it and are now charging me interest. Even though I pay additional monies in an attempt to pay down the XX/XX/XXXX transfer, those payments do not go against that amount. I am at my wits end and do not know how to get someone to fix this. They have admitted to me several times that it is their error and their system did not trigger moving the first advance into the higher interest rate and then having my full payments applied against that amount. Surely this has to be illegal. What else can I possibly do to have this rectified??? PLEASE SEE MY PREVIOUS CLAIM XXXX
Product: Credit reporting or other personal consumer reports

Equifax continues to report FALSE, and INACCURATE and DAMAGING information regarding my account with XXXX XXXX as being late!! It was not late, and now I have screen shots! 
I will be notifying an attorney next! 
How can an account be LATE IN XX/XX/XXXX WHEN IT WAS PAID OFF AND CLOSED BY THE DUE DATE ON XX/XX/XXXX? Equifax has been reporting this account as late a few times when it was NOT!! 
Equifax has caused my score to decrease XXXX points at least from this UNLAWFUL AND UNTRUE INFORMATION BEING REPORTED!
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that 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  Collectionneed attention :
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon a recent review of my credit report, I have found an error in a reporting account on my profile. This account does not belong to me and should be removed immediately. 

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

In accordance with the fair credit reporting act XXXX  account XXXX  XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have rights to privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.