23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

To whom this may concern, I made a purchase on XXXX XX/XX/2022 and the site I purchased it through XXXX for {$570.00}. The item in question was not properly delivered as requested, therefore I did not receive it. 
According to the sale of goods act XXXX when someone wishes to sale certain goods they will often enter into a sale of goods contract with a buyer, this document can be referred to as a sales of good agreement. The primary purpose of this contract is to allow the buyer and the seller to fully define the terms of selling a given item. If this is the case the buyer can not receive the goods until the seller performs the action necessary to calculate the correct price. 

According to the FDIC The standard deposit insurance amount is {$250000.00} per depositor, per insured bank, for each account ownership category. The FDIC insures deposits that a person holds in XXXX insured bank separately from any deposits that the person owns in another separately chartered insured bank.
Product: Mortgage

my loan was serviced through green tree servicing. and while in chapter XXXX bankruptcy I recieved numerous calls when I fell behind with my mortgage. Always made the payment but however, when I tried to explain to the servicer that as money was tight and the pay days fell different that I need more time. I recieved phone calls till late up into the night. even so to tell me that i was already in bankruptcy i might as well go ahead and give the property back or they were gon na forclose on me. as the continued daily the stress of the horrible phone calls influnced me to give the property back to them and add it to my bankruptcy. As I am hurt that i had toogive my home up I was pressured to do so
Product: Checking or savings account

I do n't know which family member First Tennessee Bank allowed to use a power of attorney. Because of this I was denied freedom of information by First Tennessee Bank. My birth certificate, driver 's license and social security card was stolen and copied by family members. A background check was n't done on the family members. First Tennessee Bank even stated the circumstances were unique. I need copies of all deposits and payments on account number XXXX from XX/XX/XXXX-XX/XX/XXXX. My father XXXX XXXX in XX/XX/XXXX, he was XXXX when he XXXX XXXX. His social security number is still active in XX/XX/XXXX. His name is XXXX XXXX XXXX. My mother name is XXXX XXXX XXXX and she XXXX XXXX in XX/XX/XXXX,  her social security number is still being used by the family members. 

XXXX XXXX once lived in the home with my late father. XXXX knew my father was my emergency contact, she began stealing my mail. 

In XX/XX/XXXX I filed a medical malpractice law sue. The family members began preparing my XXXX. XXXX XXXX heard the doctor say I would n't survive if I did n't have a XXXX XXXX. Due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XX/XX/XXXX. I was flown to XXXX, I also had acute XXXX XXXX. The case number is XXXX XXXX, filed in XXXX XXXX. They family knew the attorney asked for XXXX XXXX dollars. 

I was under wage earner in XX/XX/XXXX when I began with depositions. The bankruptcy attorney filed the law sue as workman 's compensation. This caused my personal information to become public record. This is how they were able to access my records. All are in violation of my HIPPA rights, civil liberties, civil rights. 

By First Tennessee Bank giving the family members access to my personal information /accounts, they 've abused /wasted government funds. 

I also need all of the transactions for account number XXXX from XX/XX/XXXX-XX/XX/XXXX. I need copies of all transactions from XX/XX/XXXX-XX/XX/XXXX. 
XXXX XXXX XXXX XXXX also allowed the family members to delete all of my former employers from XX/XX/XXXX-XX/XX/XXXX and change my addresses. 

I was told by the FBI to pull my credit report, because of all the fraudulent activities. 

A power of attorney is only suppose to be used when a person is XXXX /and or unable to handle their own affairs. It was not suppose to be used for organized crime/white collar crimes such as this type of theft. 

First Tennessee Bank participated by giving family members access to my personal information and not reporting the transfer of my mortgage loans to the bankruptcy courts. You may say my identity was stolen. Why was I under investigation by the FBI? They are the ones that told me to pull all of my tax transcripts. I had to do my own research, because attorneys was being paid kick backs by the family members. 

I 've reported them to the Supreme Court in XXXX TN. The Social Security Administrator told me what to look for also. 

I 'm deprived of health care insurance due to the abuse.
Product: Money transfer, virtual currency, or money service

I wired XXXX euro to an individual who provided all of her details including bank information to me. Because it was an International transfer, she suggested to use Wise. The XXXX never went through to the recipient. It was immediately taken from my account and left in limbo unable to be received by the person I sent it to. When I tried to get my money wired back to me, the company has continually said it will not go through. I have gotten all of the correct information from my bank, tried multiple times with different accounts and every time they say it won't go through. They had no problem receiving the money and now will not send it back to me. I have been going back and forth for months now and they will not give me any other answers other than it will not go through. They have now stopped responding to me. 

If you were able to receive the money you should have no problem sending it back. 

I looked up their reviews on XXXX XXXX and there are hundreds of people who claim wise has also stolen thousands of dollars from them. XXXX XXXX XXXX
Product: Debt collection

I hope this letter finds you well. I recently received a copy of my credit report and after reviewing it I noticed several inaccuracies. The account in question is XXXX. With this debt I did not receive proper notification, please provide the certified mail with a receipt with my signature on there stating that I received it. 

Also based on the inaccuracies you reported are highly injurious to my credit report, credit score, and it violates my rights as a consumer. You Southwest Recovery Services ( debt collector ) could face a fine from the government or a claim from the customer that the company violated the FCRA. The government recently fined one collection agency one-half million dollars for systematic failures in determining accurate dates of first delinquency. If you do not have any documentation in your files to verify the accuracy of the information on the account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ).

By publishing this inaccurate information and unverified items on my credit report you are damaging my credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts, and accounts with systemic failures must be promptly deleted. 

In light of the above, I respectfully request Southwest Recovery Service to remove and delete the charge-off from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, DISCOVER ACCOUNT # XXXX has violated my rights. 

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes as stated on 15 USC 1666B .
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I have been trying to get Equifax to fix my credit report Ive been given multiple different answers of why not receive my report ( ect that code XXXX doesnt exist, we have filed a claim for you ) just now XX/XX/XXXX. They finally told me they needed physical unreacted copies of my drivers license Social Security number and a recent bank statement. In my opinion that is not a safe viable option they refuse and say that the department does not have any email phone number and only deal with physical mail. I dont see where I need to put my life and potential credit fraud situation. They already have had data breaches how can I trust them to handle physical documents that are sensitive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Second request ... ..I received a call from XXXX and follow up email stating it could take up to 60 days for this error to be corrected. I am requesting CFPB notify the major credit agencies XXXX, XXXX, Experian, and XXXX who reduced my credit score from XXXX to XXXX in error. This error will have an effect on any major purchase I had planned in the month of XXXX. Hopefully, with your help this matter can be rectified asap.I will attach a letter from XXXX which does not state who they are going to notify and not a person to follow up with. 
Thank you again, XXXX XXXX
Product: Debt collection

I am XXXX XXXX military. I moved from XXXX XXXX to XXXX in XX/XX/XXXX. I had XXXX and had suspended the contract. Occasionally I would come back to the states to visit family and do military training and would activate my phone. I then deactivated it when I would travel back to XXXX. Apparently they did not honor my deactivation on one occasion. I no longer had their services in XXXX and the phone bill ran up to XXXX dollars. I had this resolved once before with all three credit agencies and the collection was taken off. Just recently it showed up again in XX/XX/XXXX. I have been trying to get if removed again for these bogus charges for services not received service. Now I live in XXXX XXXX and do not use XXXX. 

Thank you, XXXX XXXX CONTRACT CALLERS INC XXXX XXXX XXXX XXXX. 

XX/XX/XXXX {$860.00} {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I request to see results soon considering that this complaint has been filed before and you have failed to comply with the time that federal law provides, or I would have to take other legal action towards you to see results
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint against Equifax XXXX COMPLAINT ID XXXX ) and they sent me my credit report. There are errors on it, and despite complaining to them prior, and also in my filed complaint, they do not acknowledge that while I have an account, I can not access any information, nor can I access information via telephone. On line, it keeps giving me a message that it is temporarily unavailable, and via phone, they state I am not recognized. In other words, on my complaint they simply pushed a button and sent me my credit report, but did nothing else to resolve the issue. On the phone, I get to the verification steps of loans, and since I do not have any, I answer no to all their questions, and then they tell me I can not be verified. And the credit report shows I do not have loans.
Product: Credit reporting or other personal consumer reports

Victim of identity theft. Could not get in touch with a Citi Bank representative. Called XXXX and they told me they could not help me with out a report. I don't have a copy of my police report because all I have is an email saying there was a hard inquiry on my credit.
Product: Credit card

I am remodeling my home. I mistakenly inputted my Goldman Sachs-Apple Card for my XXXX loan to send {$17000.00}. This was for home remodeling to pay contractors for repairs. I found the payment on my Goldman Sachs and contacted them XXXX now. The XXXX time they said to give it XXXX days and they will process. The XXXX time i contacted the guy said to wait XXXX business days. The weekend dont count. The XXXX time i was told it takes XXXX days and the agent told me well do to the size of the credit it takes longer. The XXXX time the agent told me to wait XXXX days its in process. He had to reopen the claim. I waited XX/XX/XXXX days and made contact again, and asked for a XXXX. The XXXX said oh do to the size of the credit. They will not refund me the credit balance but to use my card so that i can recoup the credit balance that has now been on my card for over XX/XX/XXXXdays and they wont process a refund. XXXX advised me that they couldnt cancel the payment because it was already drafted to them and this is a XX/XX/XXXX setup over XX/XX/XXXX days ago.
Product: Credit reporting or other personal consumer reports

Your company has inquiries listed on my credit report that I never agreed to
Product: Debt collection

To whom concerns, My name is XXXX XXXX and I been recovering repeated phone call from the above phone number with in Minutes. Also the Debt Collector calling a family member asking her to return the call. Leaving a voicemail on a 3rd party cell phone. This is harassment and violation of the FDCPA. The 3rd Party call me worried about someone calling and trying to locate me when they have my phone number and address. The reason I didnt answer is because my phone identified the number as a spam risk. Plus I work. I have records of all the information by your request. I have only received 2 messages from the girls calling me. The 3rd part phone number she call was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time submitting a complaint please help me!!!! 
I will be taking this to court and suing the credit bureau Ive been disputing these fraudulent accounts with XXXX, XXXX, transunion for a whole year i want to sue them at this point because theyre the reason i cant get a house or car someone fraudulently open these accounts under my info Ive filed police repost and identify theft report and they have yet to remove these XXXX i will sue!!! Please help me i am a victim of fraud this is illegal to still be reporting inaccurate information they are discriminating me because Im a XXXX! I will not tolerate discrimination Fraudulent Accounts below! 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX
Product: Mortgage

After undergoing several hardships over the past XXXX year to include family XXXX, my XXXX XXXX XXXX XXXX, several treatments of XXXX, to include a XXXX XXXX XXXX and subsequent hospitalizations from being ill, I fell behind on my mortgage. In pursuit of obtaining a loan modification and placing the arrears on the end of the loan, I hired an attorney to represent me in saving my home from foreclosure ; however, I was not notified of the foreclosure until after the sale. 

Currently, I am still undergoing treatments under hospitalization and enduring a significant amount of stress from not knowing the current status of my home. I have repeatedly called the lender ( Bayview Loan Servicing ) and XXXX XXXX and have not received any concrete information from them but have subsequently received an " IMPORTANT NOTICE ABOUT EVICTION '' from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Email : XXXXXXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I own a property in XXXX and bills were going to the home instead of coming to me. The service provider wasn't doing what they were supposed to be doing in sending the bills to where I live which would have alerted me to an issue. We now have had a squatter in the apartment for over year ( as a result of the pandemic ), its been a very expensive process to get them out and they, of course never put the gas in their name. I closed out the first landlord/default account, but because the mail wasn't coming to my home it is my belief I was impersonated or something was mailed in to turn the services on in my name that would have only been available to the person receiving the mail. Now I have the company trying to collect on ME and have over $ XXXX bill I'm trying to dispute with them. We are finally at the stage of going to court for an ejection/eviction but this is being reported to my credit and this is NOT my bill. I have my own home in XXXX  where I pay gas and electric +. Gas nor electric were ever included in my properties whenever I rented them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to keep up with my monthly payments for my private student loan. I was paying toward the interest of the loan and not the principle. I needed help. I contacted inland debt management company to help me assist with the loan. They negotiated my student loan from {$85000.00} to {$57000.00} from XXXX XXXX XXXX XXXX. But XXXX sold my loan to XXXX. XXXX debt management company contacted XXXX and got my loan further reduced to {$27000.00}. Which is how much I paid XXXX. I completed the payments in XXXX of 2020. And now they gave my account to XXXX debt collection agency claiming I never paid them. They also opened a collection under my credit history as security credit services for {$57000.00}. I am trying to have this removed. Im disputing it with the credit bureaus. This is causing me to loose a home I was about to purchase and these people should not be allow to do business if they will do this to students who settle their debt.
Product: Debt collection

In or about  XXXX  2017, I entered a  XXXX  store with my roommate at the time to transfer my account to her as I was moving to a different location. The customer representative assured me that there would be no issues. My roommate was approved. My account was closed and my roommate 's account was activated. I did not receive any notification from   XXXX   at that time or any later date that there was a remaining balance on my account that closed.
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In or about  XXXX  2017, for the first time I received a notification from Diversified Consultants, Inc. ( a debt collection agency ) that a balance of {$260.00} remained on the closed   XXXX   account. This included a cancellation fee which the customer service agent in the  XXXX  store assured would not be applied because we were simply transferring the account to my roommate.
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On or about  XXXX   XXXX , 2017, I opened a new account with  XXXX .  XXXX  told me that they could not install my account until the " balance '' from the previous account was paid off in full. I paid that account directly with   XXXX   and the  XXXX  representative advised me that they would inform Diversified Consultants, Inc. of the account being paid in full.
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On  XXXX   XXXX , 2017, my credit report still showed that I owed a balance. I filed a dispute with   XXXX   on that date. The dispute was denied on  XXXX   XXXX , 2017. On that date, I called Diversified Consultants, Inc. who stated that my account showed paid in full. They claimed to have reported the paid in full status to the credit bureaus. When I called the bureaus, however, they stated that as of  XXXX   XXXX , 2017 the last information they received from Diversified Consultants, Inc. showed I still owed a balance.
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I am incredibly frustrated by this process as this was a lousy utility bill and a miscommunication from  XXXX , which is now resulting in a   XXXX    point drop in my credit score. I am also in the process of attempting to refinance my student loans and am being automatically denied because of the derogatory remark. This is unfair business practices by  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from a car dealership in XXXX XXXX Maryland after the vehicle was having numerous problems I return the vehicle ..the dealership wrote a check to Westlake financial for the balance owed on the car the check was no good
Product: Consumer Loan

On XXXX/XXXX/2013 I took out a {$3000.00} Title Loan from Drummond Financial Services, LLC dba Loanmax located at XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX. My first payment was due on XXXX/XXXX/2013 in the amount of {$1000.00}, due to payment being late 11 days LoanMax took my cash payment of {$1100.00} then advised me that due to the late payment my loan had to be refinanced. My payment that was made on XXXX/XXXX/2013 of {$1100.00} did not apply to either loan. At this time LoanMax still has a lean on my vehicle and due to the fact that this company refuses to work with me I have not made another payment since XXXX/XXXX/2013. Supporting documentation can be supplied when needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with all three credit bureaus. I have sent a copy of my FTC report and all the proper docs that they ask for i am a victim of identity theft
Product: Credit reporting or other personal consumer reports

I never applied to the following places but see all these inquires on my credit report. 
Based on Fair Credit Reporting Act and by law all information on my credit report being accurate I would like to have these removed asap. 

Hard Inquires =========== XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Hello, I had taken a Mortgage loan from XXXX to purchase a house in XX/XX/XXXX at XXXX, Texas to be repaid in 360 monthly instalments of {$740.00} each. As per the Closing documents I don ' need to pay Escrow balance for taxes and insurance. 
The taxes and insurance are to be directly paid to the authorities by me. However, the mortgage co. inadvertently paid the property tax and utility taxes from escrow account in XX/XX/XXXX. Not knowing that the lender had paid the taxes, I too paid the taxes in early XXXX XXXX was time to pay taxes until XXXX XXXX without penalty. 
The tax authorities encashed my checks and kept on hold the checks issued by the mortgage company. Since there was double payment of taxes, I had to follow up with the county and utility district for refund of the excess amount. After getting the refund, the fund was immediately sent to the company. They credited the property tax to the escrow account but the utility tax was credited to the principal. I called them several times to rectify the mistake. Even after three months since no action was taken by the lender I again paid the utility tax in order to wash out escrow balance. 
Finally, in XXXX the escrow balance became nil. In the meantime, Home point sold the loan to Freedom mortgage. 
Now Freedom mortgage has asked me to enhance the monthly payment from {$740.00} to {$1200.00} from XX/XX/XXXX to include provision for escrow balance. 
IT IS A CLEAR VIOLATION OF THE TERMS AND CONDITIONS OF THE LOAN AGREEMENT SINCE I DO NOT NEED TO PAY INSURANCE AND TAXES BY WAY OF ESCROW ACCOUNT. 
I spoke to the company personnel several times pointing out what had happened but the discussion was futile. 
Instead of rectifying the error they are repeating the mistake which the pervious company had committed. 
I want the mortgage company to honor the original terms and conditions whereby the monthly instalment is {$740.00}.
Product: Mortgage

Three months ago we secured a {$100000.00}, fixed rate mortgage from Sierra Pacific Mortgage Co. in XXXX XXXX. The credit scrutiny we received was unbelievable. It was a full time job providing all the proof and letters and photocopies of bank statements and drivers licenses. After a full month of this intense documentation we got our loan and were presented with a pile of documents to sign that was about XXXX inches tall. It is ridiculous to think anyone could possible read and understand all of the documents that were presented to us that day. We were shocked to find that two weeks later Sierra Pacific had sold our loan to XXXX XXXX in XXXX and two weeks after that XXXX sold the loan to XXXX XXXX in XXXX. WE HAVE ONLY HAD THE PROPERTY FOR THREE MONTHS AND WE ARE ON OUR THIRD LENDER. I would like to know if there is a limit to this loan selling. Each time this happens we have to send more documentation to have the payments " auto deducted '' from our checking, Meanwhile all of our credit information is travelling from company to company all across the United States, I want it to stop.