23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : 1. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file.

2. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report.

3. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved by deletion of account immediately for which this is the XXXX attempt for your company to provide all requested information. This company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report.

According to the law : 15 U.S.C Section 1681i ( a ), if you can not provide the requested proof, this account must be deleted and removed from all sources that holds this information immediately. I am also asking that all results along with validated information be notarized and sent by mail with an updated copy of my report and all changes including deletion or updates. In accordance with the following, I am exercising my rights ( Fair Credit Reporting Act ) ( 15 U.S.C 1681 Section 602A ) ( 15 U.S.C 1681 Section 604 Section 2 ) as well as others. In result of deletion, please assure it is deleted from all XXXX agencies this account has been reported which are as follow : XXXX, Experian, XXXX. All XXXX must show accuracy from verified and validated the reported update accounts or deletion of account.
Product: Mortgage

NewRez / ShellPoint mortgage servicing continues to victimize us after our home was destroyed by Hurricane Helene. We are a retired and XXXX XXXX XXXX veteran family. We received a {$130000.00} flood insurance payout from our policy, which was made out to both us and NewRez / ShellPoint mortgage servicing. We properly endorsed the insurance check and sent to NewRez XXXX ShellPoint for proper credit to our escrow account. We requested a payoff letter that included using the insurance money towards our loan payoff, but the company refused, which caused us to have to sell other assets and incur massive capital gains taxes of over {$32000.00} to cover the insurance money during the payoff procedure. In addition to this foolery, our mortgage loan was fully paid off on XX/XX/year>, and NewRez / ShellPoint continue to hold our {$130000.00} insurance payout hostage 20 days later.
Product: Money transfer, virtual currency, or money service

I have tried to pull money out of my Binance.US account via ACH withdrawal. My account was locked previously for chargeback fees which have been covered, according to XXXX on binance.US customer support. Account was then unlocked, but now they have not sent me An email confirmation on my withdrawal, they have also not explained why I cant withdraw my money. I do not owe binance.us money on any chargeback fees, but they wont let me pull out my money, and Im about to lose my car, and my place of residence due to their faulty customer service reps. Im literally going to struggle, and die without this money. I have {$3100.00} in my account that is stuck in order because its still pending to be withdrawn. I just want answers.
Product: Payday loan, title loan, or personal loan

XXXX XXXX sold my XXXX XXXX XXXX without informing me of a sale date. They told me that they did not have to tell me who they sold the car to. I know that this is illegal. By law Inwas supposed to be given first choose to but the car. I want to rescind the loan and get my car back from the person they sold the car to.Title XXXX are crooks and they need to be exposed.
Product: Payday loan, title loan, personal loan, or advance loan

Today ( XX/XX/2024 ), I tried to apply for a loan called XXXX XXXX XXXX on MoneyLion. When I applied for this loan, a pop-up message came up that states that MoneyLion couldnt identify my identity. I thought this was weird because I had already applied successfully for this loan six times before without any issues. Once I got this pop-up message, I contacted support twice and they told me that MoneyLion couldnt verify my identity because my so-called public profiles didnt match some of my personal information on MoneyLion. After that I told them to tell me what public profiles were they talking about. They said that they couldnt disclosed that information. Also, they said that there wasnt another way to verify my identity. After this, they ended the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my numerous attempts to fix my credit file by removing the fake accounts and information from my credit report, the Credit Bureaus have been completely ineffective! My credit report contains a significant number of unauthorized requests, as well as some incorrect account and information reporting. Someone has stolen my identity, and I know it. As a result, I filed a formal complaint with the FTC under File Number XXXX. I have included that report in this complaint in line with FCRA Section 605B ( 15 U.S.C. 1681c-2 ). Please erase these items from my credit report as quickly as possible to ensure that I am in compliance with the law ( i.e., 4 days ). Please let me know if there is anything else I can do for you. I need you to fully erase the following items from my credit file : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX XXXXXXXX Balance Owed : {$100.00}. You have also failed to send me copies of proof of ownership verification, despite continuing to report these items, which is a clear violation of my consumer rights. You should have eliminated these things if you are unable to supply these papers.
Product: Mortgage

Hello, I am sending this email in the hopes of finding some assistance for my mother XXXX yr. old mother, XXXX XXXX XXXX My mother currently has had a reverse mortgage for the last 4-5 yrs. The mortgage company wants foreclose on the property because there was a lien placed on the property in the amount of {$27000.00}. The mortgage company paid the money without contacting her to find out if it was owed or before getting any information so now they started foreclosure proceedings. Obviously, my mother nor anyone in our family can afford to re-pay the {$27000.00}. I do n't know if this is legal. 

I have been researching to come up with an alternative to foreclosure. I thought possibly refinancing the reverse mortgage or negotiating a re-payment plan with the mortgage company but are in desperate need of any/all assistance we can get in attempting to delay or stop the foreclosure proceedings. 

Please Help if you can. Thank you.
Product: Checking or savings account

I have been trying to get money out of Marcus for over a month now. First I tried to wire to a third party escrow to close on a home purchase, the person on customer service took the wire information for the wire and said it would go out. I then got a call several hours later informing me that they do not wire to third parties only to accounts in my name, so I started a wire to my credit union. Then, because my credit union uses a third party bank for wires, they informed me that a wire was not possible. At that point I was able to get a person to send me a cashiers check, WAY too late to close on my house. ( I had to take a personal loan for my down payment from my mom to close ) So, knowing that it would be impossible to get money going forward I opened an account with a new bank and tried to wire funds to that account. Marcus then proceeded to lock my account and every time I try to call to get it unlocked they put me on hold while they attempt to contact someone in a specific department and 30-40 minutes later come back and say that no one is picking up. I have called multiple times and can not get my money now. The most recent call, they couldnt even find my account in the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a claim on XX/XX/2022 and some accounts came back as verified which I know is incorrect. I never gave my permission for this information to be furnished which resulted in my privacy being breached. This is another violation of my consumer rights.

Pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( iii ) In your initial investigation, I was never given the opportunity to deny this information being reported to my consumer report. This is in fact a violation of my consumer rights.

Pursuant to 15 U.S. Code 1681 ( a ) ( b ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. These alleged transactions that your company clearly did not investigate are categorized as unauthorized use of a credit card due to the fact that a person other than myself, the consumer, received a benefit from the extension, or lack thereof, of the use of my credit. 

I need your company to furnish a detailed documentary with evidence of public and private communications to see who received the benefit from the use of my credit. 
I also need to see a detailed documentary of how the reinvestigation was done and how each account came back as valid and by what means. I need to know exactly who you spoke to with the name and address of each individual. 

If this information can not be provided, I demand each account be removed effective immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

On XX/XX/2022, I called Best Egg to inquire about payment assistance on an existing loan - as was advertised on their website. 

I was offered 0 % interest for 12 months if I enrolled in auto draft and made all my payments on time. This offer was only good once for the life of the loan. I agreed to this offer and continually asked if this was 0 %. I was told that it was. 

However, on the 1st payment date of XX/XX/XXXX, I realized I was blatantly and fraudulently lied to. I was being charged interest, even though I was told I would not be charged interest for this plan. When I called back on XX/XX/XXXX, I was told that the disclosure did in fact say 0 % and there was an error. Then I was falsely told about 20 minutes later I was charged only for partial month interest, even though it obviously showed I was charged full months interest. Then another half an hour later I was told that I had to pay interest for the first month but after that then I paid no interest. I told, shocked at the 5 different answers I was getting 5 different times, that I was never told about an enrollment payment ever. Best Egg legally can not invent terms of a payment plan as they wish after the fact and in contravention to what I agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collection account on my credit report is fraudulent : XXXX XXXX XXXX, XXXX Account # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX Customer Service Toll Free : XXXX NMLS ID : XXXX I have previously contacted the credit bureaus ( XXXX XXXX Experian XXXX & XXXX XXXX of this inaccuracy and have not gotten a resolution. I am not liable for any debt to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or any factoring company. XXXX XXXX XXXX has not provided any validation for this debt and cease activities as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This collection account needs to be deleted from my credit report.
Product: Money transfers

hi I made an online transaction with Western Union on XXXX XXXX. For an inexplicable reason, the transaction did not go through. After several follow ups, on XXXX XXXX they advised a refund has been processed. Till date i have yet to receive my money back. Please assist me with this, I have called their customer service and escalation teams every three to four days without a result. It is six weeks now since this transaction was rejected and i have yet to receive my refund.
Product: Student loan

My interest rates continually rise making it impossible for me to get out from my student debt. My initial interest rate was for 8.25 % ( very high- but my only option at the time ). My problem is that this number increased three times per year in XXXX and so did the owner of my loan. Every time the loan changes hands - my interest rate increases. I am only offered a 0.25 % rate decreased if I consent to having automatic bill pay. I am very uncomfortable with any company using this method of payment and refuse. I have been repaying my student loans however the interest continues to increase. 

XX/XX/XXXX - Interest rate increased to 8.75 % XX/XX/XXXX - Interest rate increased to 9 % XX/XX/XXXX - Interest rate increased to 9.25 % XX/XX/XXXX - Interest rate increased to 9.25 %
Product: Credit reporting, credit repair services, or other personal consumer reports

I am tired of XXXX XXXX beating me down ; this has caused me XXXX XXXXXXXX as I'm trying to progress in life- but can't seem to do so because of fraudulent identity theft. I have been disputing with XXXX since XXXX of XXXX, it is now XX/XX/XXXX and my identify theft concerns have still not been addressed/deleted. I have disputed and received paperwork back from XXXX XXXX claiming that an auto vehicle belongs to me. Paper work documents sent to me from XXXX XXXX was not mine and UTTERLY INVALID. I am a victim of identity theft and have items in my name including XXXX XXXX DEALER CHARGE OFF and DEPT ED XXXX that are fraud. I only have one auto vehicle through XXXX XXXX XXXX. I have sent over my police report, my FTC report, utility bill, my personal statement, full SSN card with all corners reflecting, Photo ID & etc. I am a victim of identify theft and XXXX XXXX keeps choosing to look the other way and not help me. I was told by an EXPERIAN Fraud XXXX that I should take XXXX XXXX to XXXX. I do not have the money, time, or energy for that to take place. I have 2 XXXX  parents both with XXXX that I can't even afford to put into home health care. XXXX XXXX opened my dispute again XX/XX/XXXX and closed it right back up XXXX XXXX. A proper investigation in a sense has not been conducted. My documents have all been ignored and they want me to keep sending the same files via postal mail which cost me about {$35.00} for mailing charges to expidaite. I have spent over {$300.00} in the past year of mailing to them disputes. I am tired of going through this process and XXXX XXXX wants to keep playing games with victims of identify theft. It should not take me 437+ days to get identify theft removed from my report. There are several factors including XXXX DEALER CHARGE OFF and DEPT ED /XXXX  that still shows on my report. I hope this will be my last and final dispute to CFPB. XXXXXXXX XXXX XXXX is holding me back from living life, liberty and pursuit of happiness.
Product: Mortgage

My husband and I currently have a home equity line of credit ( HELOC ) with JP Morgan Chase. It is at the term end, and we decided to renew the line. When I received the information regarding our credit scores, I knew they were incorrect. 

Chase noted they had used Equifax as their credit score provider. I ran both my husband 's and my Equifax scores and found discrepancies between the scores Chase reported and our actual credit scores. Chase reported my husband 's XXXX score as XXXX. The XXXX score I ran was XXXX. Chase reported my score as XXXX. The XXXX score I ran was XXXX. That is a 24 point difference for my husband and a 41 point difference for me. Just as a reference, I also pulled my FICO score which was XXXX, which is still a 27 point decrease. 

I inquired why the scores were so drastically different, and the Chase representative stated they used the XXXX score and then factored in the loan we had yet to take. This means the score Chase reported to us was NOT an XXXX score. It may have been loosely based on an XXXX score with a Chase specific algorithm applied? Although if that were the case, the scores should have been affected equally not a three percent decrease for my husband and a five percent decrease for me. 

Chase uses credit scores to determine interest rates and terms. The differences in credit scores mean a difference in loan terms. An " excellent credit score '' may be prime plus .25 %, and anything less than that may be prime plus .33 %, .50 %, .75 %, etc. That can be tens of thousands of dollars over the course of a loan. 

While this artificial deflation may not affect those people solidly in the center of the credit score brackets, it significantly affects those on the bubble. For example, if the true credit score is XXXX, which is the bottom of " fair credit, '' the artificial deflation would sink the score into " poor credit '' which will garner a higher interest rate or possibly a loan rejection.
Product: Checking or savings account

On 2 separate occasions I instituted an online transfer of funds from this account to another external account. The external account is with bank where the funds in the savings account in question were received from and had been confirmed previously. On both of these occasions, the transfer was canceled by the bank, no notification was received letting me know the transfer was canceled, and I only learned of the cancelation when logging onto the account after funds should have arrived. The date of the cancelation is back dated on their website, showing up after other times I've logged in to track the transfer. I was not notified in any other way that these funds would not be received, and needed to spend close to an hour on each occasion dealing with online & phone customer support to get problem sorted.
Product: Credit card or prepaid card

I paid my account in full and Capital One continue to charge me interest on my account when it was at a zero balance. My account was paid in full and the failure to disclose any additional interest due or fees associated with that is a violation of fair collection practice. A reps told me that is not an option when paying online. They said they will not disclose any additional fees or interest and you would have to wait until next billing statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have sent dispute letters to XXXX, XXXX   and Experian to dispute and remove erroneous, inaccurate items on my credit report such as collections, late payments and charge offs that were not able to be accurately verified. 

All of the letters were sent certified with return receipts. Each letter was sent with copies of my drivers license and social security card to verify my identity. All letters certified receipts were signed and returned as proof of receipt of the dispute letters. 

1. Round 1 was sent in XX/XX/XXXX. 

2. Round 2 was sent in XX/XX/XXXX. 

3. Round 3 was sent in XX/XX/XXXX. 

4. Round 4 was sent in XX/XX/XXXX. 

I have charge offs remaining on each credit report from XXXX, XXXX   and Experian for XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX 's that still have not been accurately verified as my debts. I would like these erroneous, inaccurate items removed from each credit report with each credit bureau as they are inaccurate and damaging my credit report which is hindering my ability to get approved for lines of credit and loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis continuous prevention of online access to my account to verify inaccuracies on my consumer profile has again caused me to file a complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

There was a data breach in my information was breached
Product: Checking or savings account

While I was in the hospital the person house and petting sitting and whoever else she had in my home used my debit card and Mobile devices ( XXXX XXXX or XXXX ) to use my debit card with make purchases and atm withdrawals. 

When I got home and realized I had nothing in my account I filed a claim, Wells Fargo NEVER CALLED ME OR EMAILED ME to ask details about the fraud or anything. Today they denied the claim because the purchases seemed like purchase I would usually make. XXXX and XXXX XXXX  are huge stores multiple account holders use both of those stores. So because they said they didnt look fraudulent and NEVER called to find out how the fraud happened my denied my claim and said no fraud was made. BUT there is a text on my phone from while I was in the hospital that is from Wells Fargo asking if these transactions were fraudulent because they didnt match my spending habits. The person here called and told them no these are legit so they could continue to use my card! 

So how can Wells Fargo reach out to me or thinking its me and tell me the suspect fraud BUT when I make the claim ( without the ability to tell the events and facts ) Wells Fargo says no fraud, you cant have your {$200.00} back, no we wont reopen it no you cant refile the claim and we will not be returning your stolen money! Our people decided these purchases fall in line with your spending. But yet the system was triggered to reach out and ask about these charges while they were using my card while I was in the hospital! So if the system believes its fraud and the investigator says no without ANY facts or information from me the account holder how can you tell me too bad youre not getting your money back and we refuse to help you any further!
Product: Debt collection

XXXX XXXX located at : XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX is not only trying to collect a debt that I do not owe, but who they are claiming is the original debtor ( XXXX XXXX ) is a company whose services are not even available to me at the location where I have lived for over five years. I moved to Washington State over five years  ago in XXXX of 2012. In addition to this fraudulent attempt to collect a debt I do not owe, this company has posted a derogatory remark regarding this fraudulent debt to my XXXX Credit Report that has harmed my credit score.
Product: Payday loan, title loan, or personal loan

I HAVE ATEMOTED TO REACH OUT TO POSSIBLE FINACE SEVERAL TIMES TO MAKE MY PAYMENT AND TO PAY IN FULL. THEY DO NOT HAVE A CUSTOMER SERVICE NUMBER BUT EMAIL. I HAVE ASKED FOR SOMEONE TO CALL ME SEVERAL TIMES, SO I CAN MAKE MY PAYMENT. THEIR APP IS VERY DIFFICULT TO UNDERSTAND AND I WANT TO PAY ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX DUPLICATE ) ACCOUNT. 

THIS ACCOUNT SHOULD NOT BE A 120 DAYS LATE FOR XX/XX/2019. LOAN WAS IN FORBEARCE. 

THIS ITEM IS NOT VERIFIED. THIS ITEM IS UNVERIFABLE.. VIOLATION OF 609