23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Identity theft is a serious crime that can have far-reaching consequences for its victims, both financially and emotionally. I have taken all necessary steps to address the fraudulent accounts and activities that have affected my credit report. I have also reported this incident to the proper authorities and have cooperated fully in their investigations. The denial of my identity theft claims is a matter of great concern to me. I believe that the evidence and documentation I have provided clearly demonstrate the presence of fraudulent accounts and activities on my credit report. I have taken all necessary steps to rectify the damages caused by the identity theft, and I am dedicated to ensuring that my credit report accurately reflects my financial history. The presence of these fraudulent accounts is causing me severe distress, affecting my ability to obtain credit, and potentially leading to further financial harm. Here is the account that I need to be removed : XXXX XXXX. Please remove this account ASAP.
Product: Debt collection

Americollect is not sending the information that I 'm requesting to Validate the debt they are not sending me a copy of my signature with the provider of service to release my medical information to them. That 's means the debt can not be validated.
Product: Mortgage

On XX/XX/XXXX, I refinanced my home with Flagstar Bank to payoff a {$220000.00} and a {$340000.00} mortgages to create 1 first  mortgage for {$580000.00} as stated on HUD1. 
Instead Flagstar Bank gave me a {$580000.00} mortgage on XX/XX/XXXX and never paid the {$220000.00} note they had outstanding on my home. All along I told them something was wrong but didn't know what since I could never refinance my home. 
Through a series of transactions Flagstar Bank was a ware of the defect yet never corrected it for over 10 years and through a series of assignments and transfers tried to disguise this egregious fraud, Finally XXXX XXXX trust / XXXX have toggled the mortgage on my home back and forth for the past several years in an attempt to defraud myself even further and now have filed foreclosure against my home without ever addressing this issue with myself. Flagstar attempted to close account because XXXX of these defects several years ago only to mask it through XXXX XXXX XXXX / XXXX NMLS # XXXX 
Attached is evidence and foreclosure complaint as well as response.
Product: Debt collection

I was wrongfully accused of charges related to my lease at XXXX XXXX XXXX, XXXX, IL, for the period beyond XX/XX/XXXX. According to the leasing agreement, the lease was scheduled to end on XX/XX/XXXX, and I provided the required XXXX advance notice of termination by sending an email in XX/XX/XXXX. Although my brother, who was residing at the property, vacated the apartment in early XX/XX/XXXX, I understand that this does not extend my liability or any charges beyond XX/XX/XXXX. 

The leasing office informed me that notices to vacate were not accepted between XXXX and XXXX ( email attachments were provided as proof ). However, this policy was not communicated when I signed the lease agreement. As such, my notice submitted in XX/XX/XXXX, which compiles with the XXXX notice requirement in the lease, should have been accepted as valid. I have attached a copy of the lease agreement and the emails I sent to the leasing office to confirm my compliance with the lease terms. 

Despite following the proper procedure, I have been charged for XXXX through XX/XX/XXXX, which contradicts the terms of the lease and my actual occupancy. I attempted to pay the final months rent of {$1400.00} for XX/XX/XXXX ; however, this payment was refused by the office. Furthermore, since I did not occupy the apartment beyond XX/XX/XXXX, I can not be held liable for any charges incurred after this date. My brother also provided me with a walkthrough video of the apartment, demonstrating that there were no damages upon his departure in XX/XX/XXXX. 

I would also like to point out that a leasing office employee, confessed to me that he had not dealt with a situation like mine, which XXXX have led to miscommunication regarding the handling of my final rent payment. The office employee initially advised me to submit my final months rent payment via money order. However, shortly after I followed this instruction, I was contacted by the Senior Property Manager an hour later, informing me that the payment could not be accepted because my brother was still residing in the apartment and that I had given back the keys to the apartment. 

Given that I made a genuine effort to fulfill my financial obligation for the last month of the lease and the leasing office refused to accept the payment, I believe this should absolve me of any further liability. Even if my brother remained in the apartment temporarily beyond the termination date under squatters law, I can not be held accountable for his actions. Once he vacated the property in XX/XX/XXXX, the lease naturally expired, and any subsequent charges should not be my responsibility.
Product: Credit reporting or other personal consumer reports

There are four incorrect fraudulent and unathorized hard inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Plus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit plus XXXX XXXX XXXX ( number does not even work ) I have not applied for any line of credit from these companies. i already have an account with XXXX  so there would not have been a need for me to apply for more, plus my credit score was low in XXXX so i would not have applied. XXXX said that they do not have an application for me so no record of any inquiry but it is on my report. XXXX  " XXXX '' - name of representative said he emailed his supervisor to have it removed and it has not been removed. Credit plus i did not apply for any credit from them. I would like for these companies to remove this incorrect information from my credit report.
Product: Money transfer, virtual currency, or money service

I made a purchase throug h PayPal, fun ded by my  XXXX   XXXX  credit card, to an out-of state mercha nt ( 4-auto par ts.com ) on or around  XXXX / XXXX /  XXXX   in the amount of {$230.00}. Th e Merchant creat ed a fictitious  XXXX  shipping label and also signed for delivery to give impression that item had shipped and delivered. After no item or shipping confirmation appeared, I asked merchant about status. He was immediately abusive and evasive, so I started a dispute with PayPal. I did not feel the length of time allowed in their policy, for the seller to respond, was reasonable so I went to the funding source,  XXXX   XXXX  to dispute the transaction directly. They immediately issued a credit for the purchase amount, but rescinded it upon response from the seller and asked for more evidence in support of my argument. I provided this additional information, and on  XXXX  they reapplied the original credit back to my account.   Unfortunately, I received another letter from  XXXX   XXXX , dated  XXXX / XXXX /  XXXX  , stating that they were rescinding the credit again, because PayPal inferred refunds had already been issued for the transaction and they were under the impression I had been paid twice. PayPal failed to disclose, however, that these applied amounts were actually valid refund amounts ( {$130.00} from  XXXX , and {$32.00} from autopartswarehouse.com ) from  two other completely different transactions, and from two completely differe nt vendors, both from  one another, and the business named in the original dispute ( 4-Auto parts ).    It is now  XXXX , and I have yet to see a permanent credit in the amount of {$230.00} from either party, and both  XXXX   XXXX  and PayPal blame the other, but have still not issued the credit. I do n't know who is lying, but someone is, and I still do n't have my money back. Further, I have asked the Attorney General 's office in the state of the merchant to investigate them for mail fraud as I have evidence supporting his questionable practices as regular occurrence as well.
Product: Debt collection

I was a paid-in-full member for XXXX years with XXXX until XX/XX/XXXX. I stopped using the club shortly thereafter when a company called XXXX took over, and announced they were closing several locations XXXX. I was under the impression that since I was a paid-in-full member, that the staff would contact me to solicit a new paid-in-full membership. They made no such attempt, and instead decided to make monthly electronic debits of $ XXXX dollars according to the terms of the original contract. I do not check my bank account regularly, but after 1 year of not using the club, I found out about all these withdrawls. I am willing to accept that it was my own fault that I did not read all the fine print in the contract, and that there was a clause that said the club could transfer the collection dues without warning to any company of it 's choosing. On XXXX XXXX, I sent a letter stating to stop making withdrawls to the company. I received an initial response with a pdf letter stating that they could not honor my request. Shortly thereafter, I then received another email from an employee XXXX that my automatic daft information was removed, and that I would need to go to the nearest location to sign a " waiver '' in order to cancel my membership. I went to the nearest location XXXX after this email was sent, only to be told my club employees to come back when a manager was available, and was given incorrect information that I was supposed to contact the company in writing, and no mention of a waiver. in addition, I was denied proper access to view the original contract signed by online access through the company website XXXX When I requested a password reset, the email with the password reset function was never delivered, I check my spam folder just to be sure. 
After this time, I have received mixed guidance from the company, stating I must sign a waiver and pay a final fee to close. I was getting notices stating that I owe XXXX in order to cancel. I am willing to pay this amount ONLY if I am given a PROPER explanation of why I was not told when my Paid-in-full contract expired by facility staff, and why I was not informed of new Paid-in-full membership options, prior to the New company XXXX XXXX ) taking over operations in XX/XX/XXXX. Now I am getting an outside Debt collection agency called SEAS AND ASSOCIATES, who are not parties to this case. They are sending me notices that I owe {$140.00}, and I am getting harassment phone calls. They are not explaining how this figure was calculated, and in doing so are not using fair disclosure practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first letter dated XX/XX/2021 : On XX/XX/2021, my initial letter I stated : reporting and publishing inaccurate and incomplete information ( " tradeline '' ) in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs, jobs, and loss opportunity. 

The following accounts you are publishing about me is inaccurate and incomplete because Wrong Accounts Numbers, Incorrect Balance, Missing Information, Incorrect Credit Limit, Status or other field blank, Date of last activity incorrect, Collection account listed with a limit, but a collection can not have a limit, Late pays after an account was closed and Charge off listed as " open '' or collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My Second Letter dated XX/XX/2021 ( Uploaded ) : By not replying in a timely manner to my initial letter on XX/XX/2021, you ( Equifax ) have not only violated federal and state laws, but failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The listed items ins entirely inaccurate and incomplete, and represents a very serious error in their reporting. See upload attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Transunion efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on the accounts listed below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX )
Product: Credit card or prepaid card

They're so many.. From credit cards, XXXX XXXX product sent to  XXXX  that was supposed to go to XXXX, to SBA Loan , personal information, closed credit cards, credit score lower than ever. 
I was forced to retire last XXXX. I was hit by numerous celebrity imposters since XXXX thru XX/XX/2020 on XXXX and XXXX, XXXX chat apps on my XXXX   and online. I am flat broke, my credit score is now XXXX when it used to be XXXX, my previous bank closed my checking account, due to an SBA Loan wired to my checking account. I still had my auto pay running and they continued to charge me fees, they raised the amount so far in the red, that they knew I couldn't pay that amount, etc. An SBA Loan was ACH/Wired to my checking account then the imposter ( I found out later was an imposter instead of a celebrity ) XXXX XXXX with Corporate Security with XXXX  has been after me. Collection agencies are sending me letters. I don't have a lot of retirement income. I had to move in with my parents due to family illness. Now my mom is XXXX XXXX. They do not know my situation at all. I prefer they don't know. Gift cards were purchased with the credit cards that were mailed to me. Ms. XXXX with Amex Gold and XXXX XXXX were contacted about my balances. They finally closed my accounts, but after me to pay for the balances. A user name : XXXX set  them up, was supposed to be an account manager. My XXXX  cards were used, XXXX, XXXX was used to send the imposters money. I really need your help. I can't afford to make the monthly payments they all want me to make to get my accounts down, but not wanting to re open the accounts. I know better, but was lonely and vulnerable. I have a husband in XXXX  and next year to be sent to XXXX  for 25 years in XXXX  . I am so terrified and the walls are closing in. I have been taking an XXXX XXXX  for 3 years and now my XXXX is at it's peak because of the overall debt. I have so many other pictures I didn't know what your limit was on uploading them all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ) under the XXXX. I have filed an identity theft report pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ). Just an XXXX : I understand pursuant to XXXX XXXX XXXX ( XXXX ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to XXXX XXXX XXXX XXXXXXXX. Aggravated Identity theft carries a criminal liability of up to XXXX years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I believe this collection was from XXXX or XXXX. 
I have never received any written notice of collection, however, I received a phone call around XXXX about a collection. 
I disputed this on the telephone with the debt collector. 
I informed the collection agent to get the info in question, since the company I worked for went out of business. The coverage I had was to be paid at the time by the company supplied insurance. 
After checking my credit history, I found the collection agency changed the contact info to XXXX without ever contacting me?????
Product: Money transfers

was looking for a personal loan, and I guy named XXXX called me he said from XXXX he has a lot of my information/ss # /bank where I bank/address. He said I was approved for a {$5000.00} loan, just had to send {$250.00} to get application going and for fees. I used Money gram and sent him the money, and he never called me back.
Product: Checking or savings account

On XX/XX/2022, we sent by certified mail a letter from our attorney to US Bank stating to a change of our beneficiary to our new XXXX dated XX/XX/2022. On XX/XX/2022 we received a call from US Bank for more information. We told him what needed to be done and he said he would talk to the legal team and call us back XX/XX/2022. No call back from them. We called on XX/XX/2022 to find out if this was taken care of for the trust and were told our account would have to be closed first and reopened under a new account number. US Bank will charge us {$570.00} penalty for early withdrawal plus a {$30.00} fee for our {$19000.00} XXXX. We said these have got to be a mistake ; but she insisted this was right. All we wanted to do is just to change our beneficiary to our Trust. There was no way around it. At this point we were so frustrated and told her to send us the money and will not be returning to US Bank again. We had accounts with them for as long as they were open in XXXX XXXX, XXXX  some 20-30 years. 

What can we do now to get some compensation for these outrages penalties?
Product: Debt collection

An entity called me claiming to be AR Resources, a debt collection company, from a restricted number and left a message. 

I called the number on that message and immediately the operator started berating me to get my personal information, including my SSN.

I did not give this to them and called the listed corporate number for AR resources : they confirmed that it was not them, and it is likely an impersonator looking to pose as debt collectors.
Product: Vehicle loan or lease

I made a complaint with # XXXX in XXXX for FLAGSHIP credit Acceptance. 
They didn't solve the problem of reporting the payments al credit bureau, I checked with XXXX and there are no reports. They agreed that at the end of XX/XX/year> this problem would be resolved. But they have not completed the 30 days they agreed to. And so I will never be able to have a better score and payment report on my credit. This way I will not be able to buy a house because I have no payment history on my auto loan. I hope you can help me solve this problem.
Product: Credit reporting or other personal consumer reports

I tried to apply for an {$8000.00} credit card at Pnc today XX/XX/2024 and was denied. I ask why was I denied and they said that XXXX, XXXX and XXXX have you as not applicable. I called them and XXXX said that it was the under hand writers of Pnc who were not sending a score to them. I called Pnc back and was on the phone for XXXX hours trying to get in contact with the under writer and I was getting transferred everywhere but there, I was talking with a woman and I didnt get her name but it was like as soon as I started stating my consumer rights 15 usc 1681 ( a ) she disconnected from me and didnt return a call and and kept calling trying to to be heard. My rights were violated and they were so unprofessional with me. I endorsed the application which was a secured collateral for a Pnc credit card which I was denied after they benefited and I received nothing. Pnc was very deceptive towards me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to buy a car from XXXX XXXX XXXX due to a financing ad they had posted about a great interest rate. I was aware they would run my credit and signed for them to do so, however, they ran my information/credit through SEVERAL different loan agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX. I am assuming XXXX XXXX, XXXX XXXX and XXXX XXXX are all the same and permission was given but I did not give permission for the other XXXX Companies and Id like them removed.
Product: Debt collection

HSBC/Beneficial or the XXXX XXXX lied to the Consumer Financial Protection Bureau, stating that they weren't trying to evict me. They provided such a response to this Office XX/XX/XXXX. Began filing subsequent eviction suits against me UNDER SEAL XX/XX/XXXX, and XX/XX/XXXX. They used an unqualified foreign corporation as the litigating party, XXXX XXXX XXXX, XXXX. Wrongfully obtained an eviction order XX/XX/XXXX. The Illinois Business Corporation Act bars such corporations from filing suits in an unqualified state ( See XXXX XXXX XXXX ). The corporation prevailed even though fraud was present in its notice/demand and its motion for summary judgment was unsupported by contravening evidence. The mortgage on my home was satisfied and released, and the foreclosure suit was found to be unauthorized by the Federal Government. Attorneys are reluctant to assist me with the eviction suits because they are sealed. They can't look the cases up from their office. Through XXXX XXXX XXXX XXXX, this corporate has also caused to be recorded a false and fictitious quitclaim deed against my property XX/XX/XXXX. HSBC is seeking to take my home using forgery or theft by deception.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX. 

XXXX XXXX XXXX has been reporting monthly on me and my wife, XXXX XXXX credit report. We have called numerous of times asking for proof of a signed contract. We are being told they dont have any information to give us and they direct us to call another company. Were asking to have a XXXX XXXX XXXX deleted from both our credit report. Due to the fact that they are telling us they dont have any information to give us, but theyre reporting monthly on our credit report. They have yet to send us ANY documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a vehicle loan from this company! they have the wrong person ( identity theft ) SMH
Product: Credit card or prepaid card

XXXX XXXX has placed a hold on my card due to paying off a large portion of the balance. It has now been on hold for a week. I have had a similar experience in the past where they placed a card on hold when you pay off the balance. I believe they are using these tactics to discourage people from paying off their balance, in an effort to earn more interest from consumers. 
I made a payment of {$830.00} on XX/XX/XXXX. It cleared my bank XX/XX/XXXX. Today 's date is XX/XX/XXXX. They told me the card is on hold due to paying off a large portion of the balance, and the fact the account is " newer ''. Their website indicates I have a balance of {$1500.00} against my credit limit of {$2400.00}, but my available credit is negative {$20.00}. It lists my payment of {$830.00} posting to account on XX/XX/XXXX and indicates there is no payment due. 
I have made larger payments in the past. I use this card due to it being a cash back rewards card, this ongoing hold has cost me money over the last week ; which I expect to receive. Not only did I not receive notification of this hold, it was indicated to me by customer service that I am not allowed to speak to any bank employees that handle bank policy, only call center employees are available.