23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern : RE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, remainder beneficiaries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FHA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After submitting the first complaint to the CFPB, I spoke with XXXX XXXX XXXX Compu-Link who has been made fully aware that both the counseling certificates and the origination documents for the reverse mortgage of the property do in fact have forged signatures by multiple remaindermen, one being my late mother, XXXX XXXX XXXX XXXX XXXX, my fathers attorney XXXX XXXX formally requested ALL origination documents, counseling certificates and inspection ledgers, as well as other items, from Compu-Link. This still has not happened. 

XXXX XXXX informed me over a phone call that my father 's lawyer XXXX XXXX would be receiving a call from Compu-Links  supervisor by the name of XXXX within a weeks time. This was 3 months ago. This still has not happened. 

After months of false promises from Compu-Link. I am formally requesting this predatory reverse mortgage be entirely extinguished to a XXXX balance along with the free and clear deed be sent overnight to XXXX XXXX, by Friday XXXX XXXX XXXX 

This situation has been and continues to become increasingly damaging for my family in multiple ways. 

Our intention is to file suit, unless this reverse mortgage is entirely extinguished and the deed sent to my father 's attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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

On XX/XX/2022, an amount of {$3600.00} was falsely reported to a credit agency. I have had numerous calls about this matter. I have sent emails, pictures, etc to get the issue resolved. I DO NOT owe the alleged {$3600.00}. I have copious amounts of documentation regarding this matter. I have had to get a lawyer involved, and nothing is done about it, STILL.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX ) ( XXXX - XXXX - XXXX ) Date of Birth : ( XX/XX/XXXX ) - This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at ; - XXXX XXXX on XX/XX/XXXX account # ( XXXX ), - Service opened at XXXX XXXX XXXX Mobility on XX/XX/XXXX account # ( XXXX ), XXXX XXXX XXXX XXXX XXXX account # ( XXXX ) - XXXX XXXX  Inquired on XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint [ # XXXX ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

In the Memorandums of evidence attached, you will find a timeline reflecting the amount of time wasted in trying to communicate with XXXX and Select Portfolio Servicing XXXX Inc. ( SPS ). Additionally, there is a breach in contract due to the fact that neither XXXX nor Select Portfolio Servicing, Inc. ( SPS ) honored the Loan Modification promised, although taking the payment for the loan modification account AND a judge approving that the loan modification contract should be upheld ( also attached ). 

We believe that XXXX willfully denied the modification ( after contact signature and taking payments ) and transferred the loan to Select Portfolio Servicing XXXX Inc. ( SPS ) within 24 hours after the denial so that they would not have to face consequences. Furthermore more, willful negligence is purported on Select Portfolio Servicing, Inc. ( SPS ) as they did not even give a reason for the breach of contract until XXXX 2015, 150 days after they received the notification of transferal. Additionally, both XXXX and Select Portfolio Servicing , Inc. ( SPS ) is refusing to uphold a judge 's ruling to honor the loan modification as well as refusing to honor the loan modification contract itself. 
Therefore, we are charging your company with the following acts : Unfair Business Practices : These XXXX banks are using the bankruptcy process to push homeowners into foreclosure ( XXXX vs Select Portfolio Servicing , Inc. formerly known as XXXX XXXX XXXX Performance of Deceptive business practices ( misleading me regarding true reason of loan denial ) Breach of Contract : refusal to adhere to judge 's ruling and refusal to acknowledge the loanmodification contract that was signed and sent back Intentional/Negligent infliction of emotional distress : intentionally and negligently withholdinginformation of the true reason of denial for 3+ months Predatory lending strategies : trying to force a new loan modification procedure/application while not upholding previous contract
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  XXXX -Date of inquiry : XX/XX/XXXX XXXX XXXX -Date of inquiry : XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I have a loan out with One Main Financial, and I have been paying it faithfully, but I am sometimes late due to my paydays and how they fall. This company constantly calls me from the day the bill is due until like a day after the bill is paid and harass me. They do n't just call once a day they call several times a day and it 's always someone different. This harassment is causing my severe stress and I am breaking out with XXXX  due to it. They will not work with me to be more flexible with the due date so that it does not create this hostile environment. I have never been so frustrated with a company as I am with One Main Financial.
Product: Checking or savings account

Recently I received XXXX mails from Chime Bank, XXXX is a checking account # XXXX and the other a visa credit card # XXXX. These XXXX cards are in my previous married name which I haven't used since XXXX. I did not authorize Chime to open any accounts and strongly believed that I am under Identify Theft or a scam. I made a few attempts calling Chime at XXXX and just got recording of their the different services offered. 

All three credit bureau accounts have been frozen since XXXX and only unfreeze temporarily when I am about to get credit of some sort. I don't know what method Chime uses to open accounts in people 's name. I required a full explanation on what and how they did it. 

Checking Account # XXXX Routing Number XXXX Credit Card # XXXX
Product: Payday loan, title loan, or personal loan

I am making efforts to repay this high interest for a {$800.00} loan. They decline my previous offer for a {$50.00} monthly repayment schedule. I offer to pay {$50.00} per week effective XXXX XXXX, 2017. I am still searching for employment, a job offer has not been extended to me. If I get hired for a position at a financial institution, the job is scheduled to start Wednesday, XXXX XXXX, 2017. It appears that CashNetUSA is refusing to work with me. I have been unemployed for over 6 months. Until I can get a earlier start date, this is what I have to work with and to avoid bankruptcy proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose therefore kindly maintain the accuracy and correct it as paid on time.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I am unaware of them, and the company proceeded without my permission.
Product: Student loan

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my Transunion. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not had a credit card with XXXX XXXX since the year XXXX. XXXX  XXXX is reporting several accounts to the credit bureaus settled in the year XXXX. I did not have this many accounts with XXXX  XXXX. 

When does the write offs leave the credit reportings? These credit card companies have been reporting write offs since the year XXXX. I want the write off removed from my credit reports. It has been over seven years. It is over seven years and the write offs should be removed. My credit score has been destroyed for many years. I made a settlement with these companies and they are repaid through credit torture. It is seven years over the time and I want the write offs removed.
Product: Credit reporting or other personal consumer reports

I eagerly anticipate receiving positive deletion updates within the next 15 days. My sincere expectation is that the majority, if not all, of the fraudulent items listed in my complaint dated XX/XX/XXXX will be expeditiously removed. To ensure the realization of these deletions, I am submitting this complaint as a follow-up to my recent ones. Additionally, I am re-attaching my FTC report with reference numbers # XXXX and # XXXX. I earnestly request the prompt removal of the listed fraudulent items from my credit reports : -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX APT XXXX KANSAS XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX LOANDEPOT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ADVANTAGE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am unable to access {$380.00} in my PayPal account. PayPal has asked for my drivers license ( which I uploaded ), and now PayPal is asking for my SSN, bank statements, credit card statements, utility statements, and passport. Without that information, they will not allow me to access my funds, transfer the funds to valid accounts, etc. 

I feel that I am at risk of identity theft if I upload all that information to PayPal. This is a new PayPal account that I opened just to receive this reimbursement and I will close it after I transfer the funds. 

In XX/XX/2021, I received a payment of {$400.00} from a moving company that had damaged my furniture during a move. The moving company had requested that a PayPal request for payment, which I did with an invoice detailing that the {$400.00} is reimbursement for damaged furniture. I am not a business but an individual trying to receive reimbursement. PayPal took a {$15.00} transaction fee at this point. 

The information PayPal is asking for exceeds what banks ask for. I have already logged into my PayPal account ( validating that I own the account ) and confirmed my bank account, confirming that I own my bank account by verifying transactions to my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Dispute My name is NOT : XXXX XXXX XXXX I have NEVER lived at : XXXX XXXX XXXX, XXXX XXXX XXXX nor XXXX XXXX XXXX, XXXX, OH Hard Inquiry - XXXX XXXX  on XX/XX/XXXX is an unknown inquiry XXXX XXXX  - closed XX/XX/XXXX - XXXX balance XXXX XXXX - closed XX/XX/XXXX - XXXX balance XXXX XXXX  - closed XX/XX/XXXX - XXXX balance XXXX XXXX XXXX - XXXX - closed XX/XX/XXXX - XXXX balance ( XXXX ) XXXX XXXX XXXX - XXXX - closed XX/XX/XXXX - XXXX balance ( XXXX ) XXXX XXXX XXXX - XXXX - closed XX/XX/XXXX - XXXX balance ( XXXX ) XXXX XXXX XXXX - XXXX - closed XX/XX/XXXX - XXXX balance ( XXXX ) XXXX XXXX XXXX - XXXX - closed XX/XX/XXXX - XXXX balance ( XXXX ) XXXX XXXX XXXX - XXXX - closed XX/XX/XXXX - XXXX balance
Product: Debt collection

This company acquired my information without consent. Theyve since then transferred this alleged debt to a debt collection agency which is unlawful pursuant UCC 3-203 ( b ).

It is also charged off which is an certificate of indebtedness meaning it is income and it cant be reported onto my consumer report
Product: Debt collection

The previous page where you could categorize what they were doing they were doing all of those things they threatened to Sue me and said they will be serving me with a summons either at my work or home, they also called family and friends they had not sent me a letter they had been calling and harassing me after I had told them that the debt had been paid. This all originated in XXXX I had a XXXX account I never used and it was overdrawn by {$1.00} and I was never contacted by the bank so they waived all but 1 of the fees and I paid {$26.00} to bring the account to XXXX and I closed the account. Fast forward to XXXX when XXXX XXXX firm contacted me and said I owed {$210.00} for the XXXX account and with it being 9 yrs later I had no proof that it was paid so I ended up paying the {$210.00} and received a paid in full letter. Then Friday XX/XX/XXXX I received a call from XXXX XXXX XXXX. This was the first time I spoke with or ever heard anything from this company no letters no nothing and when I heard it was for the XXXX account again and they were looking to collect over {$450.00} I was not happy. I told them the debt had been paid and I would find the documentation on Monday XX/XX/XXXX. After I received a call from a private number on Monday XX/XX/XXXX that I did not answer I got phone calls from my brother, my dad and my fiance saying this place was calling for an account I owed on. They left threating messages on my voice mail and my fiance 's saying that they will be coming to my house and or work and will be proceeding to sue me. So now I have had my credit score beat up, the embarrassing conversations I had to have with the people they were contacting and so on.
Product: Checking or savings account

I was not satisfied with Affirms savings account so I wanted to close my account and transfer all of my life savings into my XXXX XXXX savings account. Affirm kept asking me follow up questions that they claimed were for the security of the account and would freeze my account if I didn't answer them in 10 days. The last question Affirm asked was for my XXXX url. I didn't really want to supply this to them so I called the Affirm help center on XX/XX/21 and spoke with a lady about closing my account and transferring my funds to XXXX XXXX. She advised me to make 6 withdrawals of {$25000.00} through Affirms app and then request a manual withdraw for the remaining amount. I would need to supply a bank statement from XXXX XXXX for the manual withdrawal and it would take 10 days to process. As advised, I made a {$25000.00} withdrawal through Affirms app to my XXXX XXXX account on XXXX, another {$25000.00} withdrawal on XX/XX/21. On XX/XX/21 I attempted to make a third {$25000.00} withdrawal and as soon as I clicked transfer on your app the page refreshed and it said my account was frozen. The third withdrawal didn't go through and it said my deposits and withdrawals were restricted. I called Affirm and they said my account was frozen because I didn't answer all the security questions asked to me. I answered their last question about supplying my XXXX url and Affirm submitted it to their resolution team. I was told my account with be unfrozen in 3-5 business day and I would receive confirmation about my manual withdrawal since I supplied my XXXX XXXX statement earlier. My account was originally frozen on XX/XX/XXXX. It is now XX/XX/21 and my account is still frozen. I was told it would be resolved within 3-5 business day after I called in on XX/XX/21. It has now been 14 calendar days. Affirm is not being cooperative in unfreezing my account or transferring my funds. They seem to want to keep my money indefinitely. I have attached the letter I sent to Affirms headquarters that give a more in-depth experience I have had with Affirm and how I am trying to resolve this. I also submitted an email Affirm sent me describing the reason my account was frozen.
Product: Mortgage

On XX/XX/XXXX, I sent a mortgage payment to my original servicer, XXXX XXXX. On XX/XX/XXXX, my mortgage servicing rights were transferred to CMC Funding, a subsidiary/affiliate of Specialized Loan Servicing ( SLS ). This complaint is about SLS not recognizing that XX/XX/XXXX payment. 

On XX/XX/XXXX, I called XXXX, asking for them to send the payment information to SLS. They indicated that it is up to SLS to reach out to them for the information. They emailed me a PDF of my payment history that I could provide to SLS. I emailed that information to SLS XXXX XXXX ). 

On XX/XX/XXXX, I emailed a completed Missing Payment Research Form to SLS to request that they undertake activities necessary to recognize that the XX/XX/XXXX payment was made. This email included a bank statement showing the original payment was made. I received an automatic reply saying they received the email. I received no other response. 

On XX/XX/XXXX, I again emailed the Missing Payment Research Form to SLS, complete with a bank statement showing the original payment was made. I received an automatic reply saying they received the email. I received no other response. 

Throughout this process, I have been calling SLS support. I've learned that the XXXX inbox is reviewed by staff at headquarters, who review incoming mail and assign emails to the appropriate accounts ( e.g., assign an email from a borrower to that borrower 's CMC Funding account ). It appears that nothing can be done until this staff do this assignment ; folks on the SLS support line can not even see that a Missing Payment Research Form has been submitted until that assignment has been made. Further, the only ability for SLS support individuals to contact staff at headquarters is by emailing that same XXXX inbox. 

When I've contacted SLS support, I've been told that they can not see that I've sent any emails, let alone the Missing Payment Research Form ( twice ). I have been told that I may resubmit the request form via email, fax, or mail, but that fax and mail will be received by the same team that reviews the email inbox.

CMC currently has my account listed as delinquent because of this missed payment. I understand that no late fees will be charged or other penalties applied during the 60 day window following the transfer of servicing rights ; however, given that SLS has not even confirmed that they are working on determining whether the XX/XX/XXXX payment was made, and that my account information does not reflect that a request was made for SLS to research whether the payment was made, I worry I will be penalized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector, asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were : XXXX 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 XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out multiple times to get this resolved and the following is the problem : In accordance with the Fair Credit Reporting act XXXX Account name XXXXXXXX XXXX XXXX XXXX  Account number XXXX, has violated my rights.

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.
Product: Credit reporting or other personal consumer reports

I dispute a collection agency call XXXX on my credit report for transuion on XXXX XXXX XXXX  and I have not heard anything from them