23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I noticed a charge on my credit card account : XXXX for the amount of {$39.00}. I did not recognize this business and discovered that they are in the business of computer games. I did not ever contact this business nor solicit and computer game from this or any other company. 
I called Bank of America, my credit card company, and disputed this charge. The amount plus interest was credited back to my account on XX/XX/XXXX. 
On XX/XX/XXXX I saw there was a credit back to XXXX for {$39.00}. I again contacted Bank of America and was told that BOA believed the company charge was legitimate since they said they had my e-mail address. I again persisted that this is a fraudulent charge and the amount plus interest was credited back to my account. 
On XX/XX/XXXX I wrote Bank of America to put my concern that this company was using stolen/hacked personal and credit card information from me in an attempt to bill me for a product that I never requested. 
On XX/XX/XXXX I received a letter from Bank of America that was dated XX/XX/XXXX in which they affirm their position that the sale was legitimate since the company provided a bill of sale that had all of my personal information and credit card number. ( A month to receive a denial letter from the bank ). NOWHERE IN THIS LETTER IS THERE ANY CONSIDERATION GIVEN TO MY STATEMENT THAT THIS INFORMATION WAS STOLEN/HACKED AND IS BEING USED WITHOUT MY AUTHORIZATION. 
Further, a google search of " XXXX XXXX fraud '' brings up XXXX web sites where numerous people have complained about this company for being charged for products that were never ordered and for which they were repeatedly billed each month. 
I believe, without proof positive, that my name, billing address, e-mail, and credit card number, expiration and security code were stolen/hacked the day after I made an online order with " Reloading Unlimited '' This was the only out of the ordinary business with which I conducted business with and coincided with the appearance of this fraudulent charge from XXXX XXXX. 
I did receive an e-mail from that company but I never opened it nor used the access codes they say they provided in that e-mail to activate the game. Apparently Bank of America did not ask in their " investigation '' if I ever actually used the game or link they allegedly provided. 
Simply because they send me an e-mail with an unsolicited product does not translate to a conclusion that the order was legitimate and executed by me. MY INFORMATION WAS STOLEN/HACKED AND USED BY THEM WITHOUT MY PERMISSION. This Company is in the business and has a history of charging peoples account for products they never ordered.
Product: Mortgage

I have a Mortgage Contract with United Wholesale Mortgage, I called them and told that I had lost my job of 7 years and that I would like if I could get a forbearance on my mortgage so I could find a job and not struggle making my payments. They told me that they couldnt help me because it wasnt COVID related. I dont want to miss a payment and get backed up and my credit go bad. Unemployment only pays so much and I wont be able to make my payments just solely on what Ill be receiving on unemployment.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXXXXXX XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX XXXX Balance Owed : {$430.00} XXXX XXXX Balance Owed : {$540.00} XXXX XXXX Balance Owed : {$450.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained that these are unauthorized credit inquries on my credit report and they have been placed on my credit fraudulently. I have attched requested documentation again to have this information deleted from my credit report.
Product: Debt collection

To whom it may concern, My name is XXXX XXXX. Im requesting assistance with getting this account resolved. I have been trying to speak with someone however Ive been getting the round around. 

During the pandemic XX/XX/XXXX, I received a letter from SANTANDER CONSUMER offering me an opportunity to settle my account for less than the amount owed. The agreed amount was {$1200.00}. I paid that amount on my XXXX ending in XXXX. It was posted to my account as XXXX XXXX on XX/XX/XXXX I contacted SANTANDER CONSUMER and I spoke with Rep XXXX on Tuesday XX/XX/XXXX. I advised him that I wanted to settled the account based on the letter I received. 

It was understood and recorded, I even spoke my name and authorized the payment to be debited for the purpose of settlement. 

After the payment was taken from my account, I waited for a receipt in the mail along with the letter stating my account had been settled based on then information of the Customer Service representative. 

It never came. I disputed on my credit report and the only thing happened was the amount updated. 

None of my credit reports are accurate regarding Santander, the payment and overall history is inaccurate. 

This account is affecting my livelihood. My employment is contingent on a clean credit file. I can NOT have this account reporting negatively or my employment is in jeopardy.
Product: Credit card

Citi bank Best Buy credit card. They sent me a letter we could not find any morgage. I did not say morgage. 


Requesting the following : Send me a bill with a human signature on it. I also need to see the two party contract supporting that bill. I need to see a lawful two party contract supporting that bill.I signed your last bill accepted for value which means I give you permission to bill my XXXX account cestique act trust of 1666. 

Banks can not loan money per book of the federal reserve called money modern mechanics of the XXXX federal reserve. They take my signature and exchange them for credits. Book keeping entries. The bank is not allowed to loan other clients money. The bank never told me that they never had funds to lend me. I can charge the bank with securities fraud. You take all these promises to pay and sell them on XXXX XXXX as securities. This is very funny. If I do this I would be jailed. I am requesting for your bar card attorney for XXXX XXXXXXXX XXXX  to take them to the federal court house in XXXX XXXX XXXX to get sued for fraud. I am not a XXXX XXXX who has no rights at all XXXX laws dictionary definition uncompendent XXXX. I am a American state national. This is your last chance before I expose your crimes to the entire world. Also XXXX XXXX coming and global reset.
Product: Mortgage

On XX/XX/XXXX I signed a rate lock agreement through TBIM  with Toll Brothers in XXXX Idaho. My husband is the veteran on this loan and he did not want to have this rate lock. I signed it, but there were two spots for mine and my husbands signatures. They would not close on the home we were having built until XX/XX/XXXX due to a VA short sale seasoning period. They were fully aware of the situation that pertained to the short sale. They sold us a product that was not suppose to expire until after we closed in XX/XX/XXXX. Fast forward to XX/XX/XXXX, I go to the local sales office and speak with the other agent handling our contract. She looked up to see on XX/XX/XXXX if there was a rate lock. She stated to me there was no rate lock on file. So, with that being said and me thinking the rate lock didn't go through due to lack of the veterans signature on a va loan, I called my bank whom is a military bank and got a VA loan through them with no waiting for a seasoning period as TBI made us wait. TBI stated that since we had gone through another lender that the rate lock fee would have to be paid back. They added it to my closing cost on XX/XX/XXXX. After speaking with 3 people, we got generic information that pertained to the rate lock that they stated was locked with XXXX XXXX. To my surprise, on the information given the rate expires on XX/XX/XXXX. That's 1 week  before TBI would allow us to close the loan with them. I've heard from a few people that they would have extended it out, but nothing in writing on that. I was not told that the rate lock would expire before we could close in XX/XX/XXXX. After speaking with TBI 's legal department, they stated they were under no obligation to extend the rate lock out, but would. So, they have told me they would but also they don't have to if they choose not too. They sold me a product that we wouldn't have been able to legal use in the time frame it was sold to us. So, we had a 50/50 chance of having to pay more money out of pocket because the rate lock the sold us expired 1 full week before closing. I have asked for my money back due to the product being expired by time we could have used it. They stated to me that we couldn't fulfill the commitment on our end before it expired. Due to the nature of the shirt sale and they were fully aware of the short sale when we first applied. They scammed us on a product that was not usable during the product period. Now, they wouldn't close our loan because they state VA guidelines. We spoke with the VA about buying this home and they stated that it was up to the lender. They had no issue with us closing before the 24 months after a short sale. Now, my bank has our loan and TBI keeps giving me the run around. Not telling me how in the 7 months after the rate lock was signed it didn't get sent to the sales office to show we had a rate lock on file. TBI took our money fully knowing we could not use that product. This is fraud! They can't sale me something I can not use.
Product: Debt collection

I got an interesting letter from the law office of XXXX XXXX XXXX. She has notified me that I'm in default of debt in the amount of {$5900.00} for a company called XXXX XXXX XXXX XXXX. She states that they are processor scheduling a hearing in district court against me and wants me to call her to answer questions about this debt. 

Here 's the problem : 1 ) XXXX XXXX XXXX is a lawyer for ARSI, not just a stand alone law firm, which she didn't disclose. She is the legal department director for ARSI, which did send me a letter about this debt over two years ago. I requested validation of debt from ARSI, but the collection company never send me paperwork showing what this debt was for or the date that this debt supposedly happen. 

2 ) I live in Oklahoma and have lived in Oklahoma for over 5 years. I check Oklahoma 's case search, and XXXX XXXX has filed nothing. So if she did attempt to sue me, she did in a state that I didn't live in. Hence, I was never served, in that state of Kansas, and in the county of XXXX, the XXXX serves the debt, not a process server. 

3 ) This debt is in my maiden name. I have been married for over 6 years, so this debt is not in the realm of the statute of limitations for this law firm to even try to sue me. I guess that is why I never got the validation paperwork. 

4 ) XXXX XXXX XXXX is permanently closed. I don't know when it closed, but on XXXX  and yelp, it shows permanently closed. I try to contact the numbers that were associated with this company, but they are disconnected. So how is it that I owe money to this company that doesn't exist anymore? 

XXXX ) I have no idea when this debt happened, but I had health insurance for over 8 years, so there is no way I could have ever had a bill for that amount. 

Lastly, Which is the most important. This is the first time I have ever hear from XXXX XXXX XXXX 's XXXX XXXX. I have never received a XXXX 'S letter letting me know my rights. So how is it that she could skip that part of the collection process and go directly to suing me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since 2016 to get XXXX, XXXX  and XXXX  to correct my credit report. They take anything the creditor gives them and then closes the case. I am never notified, questioned or involved in the so called " investigation ''. I have supplied Identity Theft Reports, Case # 's, Emails to them proving my case. The original creditor no longer own the debt. I call and call and get no response. I have mailed things to the CFPB proving my case. I get empty promises, language barriers and forwarded to endless ringing lines, XXXX  XXXX, Synchrony Bank, XXXX XXXX, Walmart, XXXX XXXX are the worst. XXXX XXXX and Synchrony Bank are the worst to deal with. This is a one sided problem that needs to be fixed. I will be taking legal action immediately if this does not get resolved. This is fraud and as a US Citizen I want justice. It should not come to this. I have paid what I owe and done my due diligence. I am prepared to stand up for my rights as a taxpayer. I have asked for signed documents by me with my handwriting proving these accounts were mine and charges were me. I have never got anything. Every month my scores just drop. Please contact me so we can work together on getting justice for me. I am involved in so many data breaches and have not gotten any justice from that. The attorneys sure have. That is wrong. I am human too.
Product: Vehicle loan or lease

I have sent a letter in the mail and also emailed the company in reference to the specifics of the letter. The company has not provided or respond to the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute regarding incorrect information on my credit report. It has been over 70 days and have not had any communication about the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/2020 Balance {$3100.00}.
Product: Payday loan, title loan, personal loan, or advance loan

I was told that my credit score was bad and for me to be able to get a loan I would have to by pass their system by sending them money through XXXX XXXX and they would send the money right back to my XXXX XXXX  which I did but they never sent it back to me it was XXXX dollars XX/XX/year> that was all the money I had at the time and now I can't get my money back from them money key loan was the company 's name their number is XXXX XXXX XXXX XXXX was the man that done this to me
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports have two new accounts open that are not mine. My Social Security number has been compromised. XXXXXXXX XXXX and Discover are not mine. Please help. I do have a freeze put on my credit reports.
Product: Checking or savings account

XXXX XXXX XXXX  in virginia over booked and refunded my money also sent me a email stating how sorry they were and pnc kept my money. Filed a dispute 2x also a hotel while traveling for work XXXX $ deposit was also not refunded deemed valid. They seem to like to keep refunded monies.
Product: Student loan

I 'm in default illegally as I was XXXX without communication for over 8 years when I was initially on a deferment, with no notice it was n't continued until I was in the middle of the XXXX and had no options, however the issue at hand is I 'm paying a rehab program, but they keep calling me at work, and then refuse to quickly complete the call, seeming to extend it needlessly. When I ask for a quick call, they slow it on purpose, putting my job at risk. They do n't offer any online payments or other self pay options to avoid these humiliating calls. They ask questions that are harrassing, and although I 've made numerous requests not to be asked, I 've been advised to stop asking for that as they state they 're required to ask.
Product: Money transfer, virtual currency, or money service

A couple of years ago when I opened up my XXXX XXXX account I would get random text messages that I sent money to certain ppl using the Zelle app but I didnt and I never got my money back I just felt robbed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I opened a dispute with HireRight regarding false/misleading information on my XXXX report XXXX The furnisher ( XXXX XXXX ) is a former employer. 

On XX/XX/XXXX HireRight completed its investigation. They provided me the results and rebuttal of the furnisher via telephone call. 

I am in disagreement with HireRights decision as they did not do a thorough investigation. They did not request any supporting documentation from furnisher. They simply took the furnisher statement as 100 % truth. I have actual evidence that disproves statement given by furnisher.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for Equifax written dispute sent XX/XX/XXXX requesting removal of XXXX XXXX XXXX based on this company knowingly submits false and inaccurate information to keep my credit in a negative rating which allows lenders to then charge higher APR as well. Proof was submitted to show that XXXX XXXX was the first to open account for collection of {$1500.00} with first date of delinquency as XXXX. The results from Equifax stated account belongs to me but the my dispute asked for removal of this company based on dates and inaccurate information on my credit. Verbiage also on results state " Once an account has been opened, the account may appear on the credit file for 7 years or 10 years from the date reported. '' Based on this and proof Equifax should have removed XXXX from report but instead they allowed them to update status on my file and report as an open account with First date of delinquency as XXXX. Equifax is allowing XXXX to violate Federal laws put in place to protect consumers from misinformation on reports being used against us in a false or negative way in order to collect a debt. This debt is no longer owed.
Product: Credit reporting or other personal consumer reports

XXXX. Revolving Accounts Revolving accounts are those that generally include a credit limit and require a minimum monthly payment, such as credit cards. 
XXXX XXXX  XXXX ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$230.00} Account Status CHARGE_OFF Available Credit Account History The tables below show up to 3 years of the monthly balance, available credit, scheduled payment, date of last payment, high credit, credit limit, amount past due, activity designator, and comments. 
Balance Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$220.00} {$270.00} XXXX {$230.00} XXXX Available Credit Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Scheduled Payment Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$31.00} {$48.00} XXXX XXXX Actual Payment XXXX XXXX | XXXX XXXX, XXXX Review this summary for a quick view of key information contained in your XXXX Credit Report. 
Report Date XXXX XXXX, XXXX Credit File Status No fraud indicator on file Alert Contacts XXXX Records Found Average Account Age 3 Years, 1 Month Length of Credit History 6 Years, 2 Months Accounts with Negative Information 10 Oldest Account XXXX XXXX ( Opened XX/XX/XXXX ) Most Recent Account XXXX ( Opened XX/XX/XXXX ) Credit Accounts Your credit report includes information about activity on your credit accounts that may affect your credit score and rating. 
Account Type Open With Balance Total Balance Available Credit Limit Debt-to-Credit Payment Revolving XXXX XXXX {$0.00} {$3300.00} {$3300.00} 0.0 % {$0.00} Mortgage Installment XXXX XXXX Other XXXX XXXX Total XXXX XXXX {$0.00} {$3300.00} {$3300.00} 0.0 % {$0.00} Other Items Your credit report includes your Personal Information and, if applicable, Consumer Statements, and could include other items that may affect your credit score and rating. 
Consumer Statements XXXX Statements Found Personal Information 5 Items Found Inquiries 37 Inquiries Found Most Recent Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Public Records XXXX Records Found Collections XXXX Collections Found XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a request to have fraudulent items removed that are reporting only on XXXX XXXX response is that I did not send in my request, which I am sending again. I XXXX XXXX did and am sending in this request to have the fraudulent items removed and blocked that
Product: Credit card or prepaid card

I received a charge on a Well Fargo card I do not use. I tried logging into the app to see what happened and was locked out. I tried resetting the password but they said the card number wasnt valid. 

I tried contacting the company and they told me its a different card and theyre freeze the account. I am not currently in the US and unable to go into a bank. They they sent me a letter stating my card was delinquent and charged me a penalty. 

I got in contact again saying they say they froze it and I wasnt this resolved. They said they would resolve the fraud and send me a new card. 

They have done neither and now sent me another statement marking two months delinquent, another penalty and my credit score is taking a hit. They also claim they can not help me into my account.