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

It started on XX/XX/2020. I put a pair of cowboy boots up on offer up for XXXX dollars. I was contacted by a man or woman. And happy to see that they wanted to buy them. What was kinda weird was that he wanted me to to ship them to an address in Florida. He even said he would give me XXXX dollars Instead of XXXX. So that any expenses would be covered for shipping. I thought it wouldnt be a problem to mail it out. He/she said they would send me the money through PayPal. And I had never had PayPal before so I downloaded it. Then I proceeded to send him/her a link so they would be able to send me funds. He said I dont press on links, for security reasons. So he insisted for me to send him my email linked to my PayPal so that he could send me money. I did and I receive an email from XXXX. This email gave me instructions on where to ship the boots. So I followed them and shipped the boots. So finally the email said in order to receive the XXXX dollars from the buyer I needed to provide the tracking number for the package. So I did, then to my surprise I received an email from PayPal again saying that I couldnt receive my funds from the buyer because my account was not a business user. So to make the story shorter I was asked to send PayPal XXXX out of my own pocket and I believe I was scammed around XXXX dollars. Please contact me for any more information. PayPal wont give me an agent to talk to
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit r does not relate to any transaction   ( s   ) that I have made. It is the result of identity theft.    XXXX   XXXX  Account #  XXXX   XXXX   XXXX  CARD #  XXXX  ASC #  XXXX   XXXX  CARD #  XXXX  INTERNAL REVENUE SERVICE #  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also XXXX to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed a XXXX card reporting that I never had someone is using my information
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage servicer, XXXX XXXX, is reporting a higher unpaid balance that what it owed. I disputed this with them at the start of the year and it was corrected and now it has happened again. My unpaid principal balance as of XX/XX/2022 is/was {$130000.00}. They reported for XXXX {$130000.00}. They are stating that they have to report past due interest, fees, and escrow. Until recently, they have never reported anything but the actual balance. This is effecting both my husband and my credit.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Product: Mortgage

Three of us, myself and a married couple, purchased a home as Tenants in Common. All three of us are on the same mortgage note. The married couple are listed as the primary borrower and secondary borrow, myself listed as a co-borrower. 

The note was sold to Stearns Lending which indicates it provides an online portal for our loan management. I attempted to register with the portal ( XX/XX/XXXX ) and was denied access. I called the customer service number to find out why I couldn't register and was told that it was just a glitch in the system, that the support desk was notified and that I would have access soon. Then, end of day, I still did not have access. I filed a customer support ticket through the website and received a reply ( XX/XX/XXXX ) stating : " We are sorry you have been experiencing difficulty with the website. Our platform only allows for two   separate profiles per account. Therefore the person listed third on the loan will not have access under a separate profile of their own. 

Please feel free to contact us if you have any additional questions. '' I filed a secondary support request ( XX/XX/XXXX ) indicating that I needed access along with the primary borrow, while the third person would not need access. To which I received the reply ( XX/XX/XXXX ) : " We have received your recent inquiry regarding your mortgage account. Please have Mr. XXXX the primary mortgagor submit the request to have the names changed on the account. '' The person listed as the primary mortgagor called the support number and explained the situation as well as indicated the reference number to the last support request. He explained that as borrowers we all need the ability to manage our account and that we need to be able to make separate payments for tax filing purposes. The support representative put us on hold to check on it and returned saying that there was no way that access could be granted to me and the primary borrow and that we would have to switch primary and co-borrower. We told the representative that this is not an acceptable practice and asked to speak to a supervisor and were placed on hold. We never completed the call due to a very long hold time. 

As borrowers, we should all be able to access and manage our accounts and make payments individually. 

1. This arbitrary limit of 2 profiles per loan is unacceptable. This can't the first time that more than two borrowers have opened a mortgage.

2. We must have the ability to pay portions of the mortgage separately for tax filing purposes.
Product: Debt collection

XXXX XXXX  has been fined for identity theft fictitious loans schemes against victims of identity theft fraud financial crimes. 

The XXXX XXXX  has used the government offices, government resources and government employees to aid fictitious loans schemes against properties withholding information from CFPB ORDERS AND REMAINING IN CONTEMPT OF CIVIL PENALTY RELIEF FUNDS TO VERIFIED VICTIMS. 

XXXX XXXX  are using subsidiaries : Rushmore Loans CA XXXX XXXX XXXX TX AZ XXXX XXXX  XXXX XXXX XXXX TX plus XXXX and XXXX XXXX XXXX  OF XXXX FLORIDA The parties hired by XXXX XXXX  ignore consent decrees of civil penalty relief, they threaten me, and conceal evidence of fictitious loans, victim of identity theft, title theft crimes and financial crimes to unlawfully seize my property. 

The parties use government resources and ignore regulations of CFPB AND ACT LIKE AGGRESSIVE DEBT COLLECTORS FOR PROFIT AND TO REMAIN IN CONTEMPT OF CONSENT ORDERS FILED BY CFPB XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX minutes ago ) to me, XXXX XXXX afternoon, I am coordinating the hearing for the Motion for Summary Final Judgment, please review the below hearing dates. 

XX/XX/XXXX ( Monday ) XXXX XXXX  XXXX min XXXX XX/XX/XXXX ( Tuesday ) XXXX XXXX XXXX min XXXX XX/XX/XXXX ( Tuesday ) XXXX XXXX   XXXX min XXXX XX/XX/XXXX ( Wednesday ) XXXX XXXX  Please note if we dont hear from you by the end of the day Monday, XXXX we will be moving with setting it at our convenience Thank you XXXX XXXX Legal Assistant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX Tel : XXXX EXT XXXX Fax : XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Wells Fargo, as of XX/XX/2024, XXXX, is factually doing Data Brojerage and Fincial Consumer personal loan lending with multiple U.S. Online/brick and mortar loan stores across U.S. Said stores are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The short sale package was submitted for review in a timely manner. SPS has continuously throughout the review process ask for documents that have already been submitted to be resubmitted again. Delaying process over and over. Most recent submitted of a hardship affidavit was submitted on XXXX/XXXX/16 at which time i was told file was in review for a decision. I called on XXXX/XXXX/16 to follow up on receipt of affidavit it was confirmed received and i called on XXXX XXXX, 2016, and was told file in review. I called again today on XXXX/XXXX/16 and was told that file was going to be escalated because it was not submitted in review on XXXX/XXXX/16 as it should have been. Now we are going to have to wait again for review without a specific time frame and are going to lose the buyer due to these inadequacies by short sale lender. Original short sale package was submitted on XXXX/XXXX/16. There should be a comprehensive review and specific as to what items are missing or need to be supplemented so they can be provided at once within a 30 day period. Instead every time i called they requested for an additional documents. Delaying process to the detriment of the seller and buyers.
Product: Debt collection

Ive requested from Account Resolution Corporation now three times, in writing, for proof of debt and that they are authorized in state of Missouri. The first time they sent me back an amount written on a piece of paper, the second time they provided me a statement Ive never seen. They have never provided me with documentation I required. Meanwhile I do not recognize the place of business they are collecting on behalf of ( its also less than {$50.00}! )
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has Failed to get this bankruptcy thats on my report removed they did not verify where the information was furnished. I sent multiple documents they lied and said they received it down the court which is a lie because the courts doesnt report any information as such I have now filed a complaint with the attorney general and the XXXX. If this is not removed in the next 30 days I will be taking legal action against transunion.
Product: Credit card or prepaid card

At a recent visit to Best Buy, store employees fraudulently tried to sign me up for Best Buy 's private-label credit card. I expressly told them that I did NOT want to apply for the credit card, but they repeatedly ignored me and attempted to sign me up for a credit card. 

On XXXX XXXX, 2017, or there about, I received a letter from Best Buy credit services informing me that my credit card application had been denied. I was shocked to learn that the Best Buy store employees had submitted an application in my name AFTER I stated that I did NOT want a credit card.
Product: Credit card or prepaid card

I paid my debt IN FULL to Chase bank yet they are still charging me. They locked me out of my own account and I was unable to sign in. They decided to charge me even though it was their fault they locked me out of my own account. I could not access my online account because their own faulty security system did not trust my location/ They closed my account yet still fine me after I repaid everything. In my supporting documents you will see they closed my account and the only charge is from the applying more fees to me after I paid them everything.
Product: Consumer Loan

I needed monies for vacation and applied for what I thought was a simple {$2600.00} loan from a Company that claimed to help those with less than perfect credit a way to reestablish their credit through taking a loan out with their company. Apparently I did not understand their requirements for payback as they are charging me over {$6000.00} interest on a simple loan for only {$2600.00} ... ..they charge me approx. {$500.00} every month and they will continue to charge me for XXXX payments. I took out the loan XX/XX/XXXX and the payments are scheduled thru XX/XX/XXXX. In total I will have payed back {$8.00}, XXXX ... .this is extreme and I have been told by many of my friends and family that this is illegal and that I should not pay it. Please help me straighten out this mess I have gotten myself into..i did not forsee such an impact on my monthly income for so long ... ..that {$500.00} is supposed to be the monies I have left over after bills and survive/live on after all my other bills. They have access to my bank account and they automatically take it out every month on the XXXX. I do not know how to stop this maddness. How can they charge me over {$8000.00} for a {$2600.00} loan? Is this legal? I 've been told by many to stop the payments, switch my banking institute, deny them access to my account ... ... just simply NOT to pay it. I just wanted a simple pay back with reasonable interest short term loan and now I 'm stuck with this overzealous monthly payment and it 's scheduled " according to their pay schedule '' to go on thru XX/XX/XXXX-that 's a month shy of two years to pay back a simple loan of less than $ 3,000-for over {$8.00}, 600 ... ..something 's not right ... ... it 's not fair and it should n't be legal. Of the near {$500.00} payment each month, a mere {$62.00} goes toward the principal balance ... ... ..ridiculous .... Please advise. Thank you, XXXX
Product: Debt collection

Capital Accounts at XXXX. XXXX XXXX XXXX, TN, XXXX. Contacted me via email saying I owe them {$140.00} in back interest for mailing out letters that I never received. And that I owe them a total of {$880.00}. I sent a validation letter to them XX/XX/2021. They responded via email with just an invoice no proof or a signed contract. I followed up with a 2nd validation letter asking for sufficient proof on this alleged account such as the original contract/agreement between myself and the original creditor bearing my signature, proof of any interest or fees authorized by the agreement, and once again all I got in return was the same invoice they previously sent. I have never done business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

60 days ago I reached out to XXXX, TransUnion and XXXX  regarding the unaurthorized hard inquiries that's on my credit report. Each company told me they would submit a dispute to delete them but all three of the companies have failed to do what they said.
Product: Debt collection

I am in the process of repairing and cleaning up my credit. I requested validation/verification from XXXX, XXXX & Transunion for collections accounts on my credit report. All I received was the generic verified or accurate Response with no supporting documentation that I requested for any of the accounts listed on my credit report. I then requested for the method of verification. How did they verify these are my accounts? All I wanted was proof as I described in my letters to them. Again, no contract with my signature or anything supporting that I owe any of these people money. These unverified accounts are still being reported and hindering my financial growth. From what i understand, this is against the law. If they are reporting Negative erroneous items on my credit profile and have not provided me any supporting documentation as proof. 5 collection accounts on transunion.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Experian : US SM BUS ADMIN ODA Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

US SM BUS ADMIN ODA Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX : XXXX  XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX : XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX NOT Authorized! 

XXXX Inquired on XX/XX/XXXX NOT Authorized!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I was involved in a car wreck in my XXXX XXXX XXXX that I financed through bridgecrest via XXXX. The vehicle was fully covered with XXXX motor vehicle Insurance & gap coverage through XXXX. XXXX deemed the vehicle a total loss and issued their payment within weeks. As of today XX/XX/XXXX both companies covered the principal cost of the loan but gap took way longer than expected. Being that XXXX covered the vast majority ( over XXXX ) of the principal which was about XXXX, I was under the impression that gap would cover the remaining. Unknowingly to me bridgecrest has still been charging me the note that has now acclimated to over {$1600.00} for 3 months that it took for XXXX to cover the gap. My note was not behind prior to the accident. So this balance is still accumulating on a vehicle thats been totaled and no longer in my possession. When I tried to speak with representatives at bridgecrest they refuse to find a common ground. How am I being held responsible for a note on a vehicle that was deem a loss months ago? This seems like predatory lending. The principal has been paid in full at this point by XXXX XXXX XXXX but bridgecrest is still actively billing me for the note & charging late fees for this vehicle Ive been without for over three months now. I want to resolve this as soon as possible as the fees are still accumulating and my fear is that it will continue to negatively affect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$89.00} XXXX XXXX. XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$940.00} ; XXXX. XXXX  XXXX Original creditor : XXXX XXXX Balance : {$260.00} ; XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.