23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1 ) DEBT NOT MINE, IDENTITY THEFT AND FRAUDULANT ACCOUNT WHICH I DID NOT PARTICIPATE IN OR BENEFIT FROM 2 ) UNKOWN MEDICAL ACCOUNT THAT TRANSPIRED YEARS AGO, RECENTLY REPORTED UNLAWFULLY ON MY CREDIT BUREAU 3 ) THIS ACCOUNT IS NOT MINE, I DEMAND THE ACCOUNT BE REMOVED FROM MY PERSONAL INFORMATION AND ALL CREDIT BUREAUS
Product: Money transfer, virtual currency, or money service

I deposited {$6000.00} with Crypto.com to purchase crypto currency. They said I could withdraw funds after 7 business days. It has been 25 business days since and I cant withdraw money. At this point I want a refund of my deposit.
Product: Mortgage

On XX/XX/2022 my husband and I applied for a HELOC at PNC bank in XXXX, IN. The loan XXXX XXXX XXXX completed the application on her computer and we then signed the paper work. The next day we received and email from the loan XXXX in charge of our application, XXXX XXXX. We were told the process would be that they would do a home appraisal and then submit it to their underwriters. I don't have the exact date but somewhere near the beginning of XXXX we received a congratulations letter stating we were initially approved pending the appraisal. The bank told us to receive the amount of loan we were asking for we would need a minimum {$250000.00} home value for a {$110000.00} HELOC. Our appraisal came back at {$250000.00} as is and higher once the project was completed. On XX/XX/2022 we received another email stating that our loan application had been closed. I emailed XXXX XXXX asking her what that meant, thinking it meant we are about to sign for the loan. She wrote me and said their was not enough equity in the house. I wrote back saying I was confused that we only needed {$250000.00} and he had more than that. She wrote me back and said it was actually denied because our home is an A-Frame house and PNC does not loan on A-Frame type houses. I said why didn't someone say that 2 months ago. We would have never applied for the loan if we had known that. There is no way to hide the fact that it is an A-Frame house. I told her I would be reporting this to the necessary Federal agency. On XX/XX/2022 I received a phone call from someone named XXXX. I told her I was driving to a doctors appointment and would not be able to write anything down, she told me she would send her personal information to my email. She verified my email address with me. She tried to mislead me that it was our fault about the A-Frame and I told her that was absurd and that we would have never applied had we known the policy. She said she would investigate it and get back with me today, XX/XX/2022. I did not receive XXXX 's personal information nor have I heard anything from her, yet. 
We have wasted 2 months and interest rates have now doubled since we signed the original loan documents. The fact of the A-Frame should have came up at first meeting then we could have walked away and went to a lender that did approve our type of home. Now we are looking at higher interest rates and that is not right. We have been a customer of PNC for quite a few years and we are looking into moving to another bank.
Product: Credit card

RE : credit card account # XXXX opened XXXX. NOTICE TO OPT-OUT UNDER THE FAIR CREDIT REPORTING ACT. Per the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802. You do not have my permission to share my personal information with nonaffiliated third-party companies or individuals. I am asserting my rights under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to opt-out of any sharing of my information by your company. 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts. 15 U.S. Code 1681c2 - Block of information resulting from identity theft. PLEASE DELETE FALSE AND DEROGATORY INFORMATION FROM MY CONSUMER CREDIT FILE NOW, THANK YOU!
Product: Debt collection

SUMMIT ACT RES is alleging I owe a debt I do not. I have no obligation under law to pay any debt I did not go into a contractual agreement with. Federal law states just because a contract is transferred does not give collection rights. Is Summit Account Resolution stating they are above federal law? If Summit Account Resolution believe that they have rights to collect this debt with a signature from me that states we went into an agreement otherwise what you are attempting to do is violate me and I will immediately file legal action for violation of my federally protected rights. I refuse to pay this debt send my contract back to the original creditor. 

( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my ID and Social and later opened the following fraudulent accounts in my name : XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX I have already spoke to these companies and they have agreed to remove these fraudulent accounts. I have provided them with my Police Report ( Incident # XXXX ), I also provided them with my Identity Theft Report # XXXX.
Product: Mortgage

My loan was one of the loans mandated by CFPB in 2014 to be refinanced or modified by XXXX XXXX in the {$60.00} billion payout to the bank. In 2016, I received a notification from XXXX stating that I have been approved for a loan modification with principal reduction ( New principal {$350000.00} and 3.5 % interest rate ). I was told that the modification was subject to a third party ( Investor ) approval. The third party was XXXXXXXX XXXX  XXXX. However, instead of going through with the modification, I was informed that the loan was being transferred to Select Portfolio Servicing XXXX XXXX ( SPS ). Initially, SPS informed me that they are going to give me exactly what XXXX had proposed to me. However, they never did. Instead they raised the principal balance to {$770000.00} and the interest rate at 6.8 %. They inflated the appraisal by 30 % within one month and engaged the same law firm as their foreclosure company, real estate company and appraisal company. They gave the new principal at {$770000.00} for a property that appraised for {$440000.00} and when I refused to accept their offer, they commenced a foreclosure proceedings. They are colluding with several people in order to take my home through foreclosure. They have two appraisals within one month from {$440000.00} and the second one {$590000.00}. They did not disclosed or copy me the appraisal. They attempted to lured me to do a short sale through their own real estate company and they already had a straw buyer. They are fixated on taking my property by all means necessary. My previous reference number with your agency was XXXX.
Product: Mortgage

Chase Purchased my home for {$500.00} well below market value after they forced a foreclosure on it. They respond with answers that have nothing to do with the facts which will be proven in court THIS IS STRAIGHT FORWARD THEY AVOID THIS IN EVERY OTHER COMPLAINT THAT THEY COLLUDED WITH THE REFEREE TO PURCHASE MY HOME FOR {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card

On XX/XX/year>, I reported XXXX fraudulent transactions on my Discover credit card account. After about a month without seeing any reversal or receiving any communication, I called Discover to follow up. During that call, I resubmitted the disputed transactions for review, as no evidence was provided to me showing that Discover found these charges to be legitimate. 

Despite my efforts, the fraudulent charges remain on my account, and Discover has not provided any updates regarding their investigation or any resolution.
Product: Debt collection

I request a detailed description of the procedure used to determine that I have a contractual obligation from the date of account creation until the date of last activity. Please ensure this information is 100 % correct and accurate based on the total amount you claim I owe. Also provide me with the name, address, telephone number of each person who verified this alleged account that you have purchased or been assigned from the original creditor or account holder that vou are stating is your source for the inaccurate information that you claim is 100 % correct and accurate. Be sure to provide the name of the employee, the number that was called, their position in the company. 

I am sure you know that a printout of a bill or itemized document does not constitute verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I have attached the documents that were sent in response to my request. 
I require compliance with the terms and conditions of this letter within 30 days of your receipt, or a complete removal from my credit profile, in writing, of your claim. 

After thoroughly reviewing 15 U.S.C. 1692g, I noticed multiple violations. As stipulated by the Fair Credit Reporting Act ( FCRA ), any information reported to credit bureaus must be accurate, complete, and verifiable. And according to 15 USC 1681b, this company has not provided sufficient evidence demonstrating that there is a permissible purpose for the reporting of this debt according to my facts. ( See Attachments ) I am requesting that you thoroughly reinvestigate this. Make sure that all relevant documents and information supporting the validity of this debt are available for examination in a timely manner. Specifically, I ask for verification of the original creditor, the amount owed, and any applicable contracts or agreements such as the purchase and/ or debt agreement. Please also provide proof that this company is able to collect this debt on behalf of the original creditor or any other subsequent purchasers. 
I require compliance with the terms and conditions of this letter within 30 days of your receipt. If you can not comply, I demand a complete removal of your claim from my credit profile in writing. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, attorney general, and appropriate county, state, and federal authorities. I also reserve the right to take private civil action against this company to recover damages. 

Stop all collection efforts, including communications such as phone calls, texts, automated messages and reporting to credit reporting agencies and/ or third parties until this request is fulfilled. Reporting inaccurate information to the credit bureaus is fraud. 

This notice serves as my final attempt to urge your compliance with the laws under the FDCPA and FCRA. If deemed necessary, I will seek legal advice, which may result in federal or small claims court action to seek damages against your company for violations, including defamation and false claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion and XXXX XXXX  about inquiries on my report and they have YET to do anything about them. I have filed report after report and nothing.
Product: Credit card or prepaid card

I applied for a XXXX  XXXX  issued by Citibank. I had one before back in the year 2017. However I never used the card, not once. The bank closed the card. So when I applied for the card today they declined me siting that my last XXXX XXXX was delinquent. I questioned that. Because how can a card be delinquent when it was never even used? It was closed with a XXXX balance. And there were no fees associated with the card. They could not provide me proof that the card was delinquent. I then got transferred to a manager. The manager then said that the card that was closed could have been closed because it was delinquent, she didn't know. They have access to my credit bureau. I assure you I monitor it every day, and there has never been any late payments or delinquencies. Citibank has a history of reps making comments that would be in violation of protected classes such as XXXX, XXXX, age, etc. I will reach out to their XXXX XXXX XXXX in Tennesse. My next step is to start the legal process and mediation. I need answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with Experian regarding my gettington account. I noticed that the company was no reporting the credit limit for this account which has a drastic affect on my utilization. I advised Experian of this online. And days later they sent me notification that they verified the account as accurate. This is very scary. Because I never asked Experian for validation. I simply asked them to correct the information on my gettington account BECAUSE CREDIT LIMIT ISNT SHOWING PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX
Product: Mortgage

Owens Loan servicing, LLC keeps putting stickers on my door in the middle of the night harassing me. Some one call me trying to get me to sell them the house etc. I need Owens Loan servicing, LLC to stop sticking stickers all over my door and and harassing me. There nothing but a scam and committing fraud. I have also file a complaint with US Attorney office in regards to Owens Loan Servicing, LLC
Product: Mortgage

I was notified by XXXX that my application was received on or by XX/XX/XXXX for XXXX  YET still i get calls from XXXX with no messages just calls. don't think there really suppose to be calling me until the process is completed. ALSO after i complained XXXX XXXX about the clarity of record keeping or lack there of XXXX wastes time yet again by sending REDUNDANT INFORMATION i wanted the records showing when they received my documents to facilitate how do they come to the conclusion on what is timely permissible or not. I certain this fortune company is going to claim that they dont have the capability to take me out the dialer like why would one comply with FCC???? they assigned another minion who thought im so impressionable by changing the name of the messenger i wouldn't know its the same stall tactic they always use deny conflate ignore run out the clock force bogus modifications short sale you or foreclosure. why wont you show when you received my documents? Any XXXX XXXX or XXXX can produce elements as representations but since you're vetted by the government and its not a class action issue or gross blatant forced circumstance then oh well BUSINESS AS USUAL
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax for their continued reporting of account XXXX, associated with XXXX XXXX, despite their claim that the account was not reporting on my credit file as stated in their response to CFPB complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this account is still present on my Equifax credit report, as evidenced by the attached documentation, including the credit report and Equifax 's previous correspondence. This account has been removed by both XXXX and XXXX, further demonstrating its inaccuracy. Equifax 's failure to delete this account constitutes negligence and a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the accuracy and integrity of information. Furthermore, the entity in question, XXXX XXXX XXXX, has a documented history of consumer protection violations and penalties. Refer to the following resources for detailed information : XXXX XXXX XXXX XXXX XXXX XXXX These records clearly show a pattern of misconduct by XXXX XXXX, which underscores the need for heightened scrutiny and accountability when reporting their accounts.
Product: Debt collection

LVNN : Account # XXXX I received information from you attempting to collect the above-listed alleged debt. Please be advised that I dispute the validity of the alleged debt in its entirety for the SECOND TIME. Further, I request VERIFICATION of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, INCLUDING credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. 

FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are continuing to report fraudulent accounts on my credit report that do not belong to me, which is a clear infringement upon my privacy rights. As I mentioned before, I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report. 

FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : The information you continue to report falsely suggests that I applied for multiple inquiries and accounts, when in reality, these were the result of a scammer\ 's actions. This misleading and unverified reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) and its fairness requirements.

FCRA Section 616 - Civil Liability for Willful Noncompliance : Despite my previous dispute, you have failed to verify the accuracy of the credit information you have accepted, thereby demonstrating willful noncompliance. This noncompliance is subject to civil liability of up to {$1000.00} per violation. 

FCRA Section 605B - Aggravated Identity Theft : Your continued sharing of my personal information with numerous creditors without obtaining my consent is a criminal act of aggravated identity theft. I remind you that this offense carries a penalty of up to 2 years of imprisonment. FCRA Section 603 ( d ) (
2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You have yet to fulfill your obligation to disclose my right to opt out of sharing my personal information. This omission is deceptive and a direct violation of my consumer rights.

FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : Despite my previous dispute, you persist in furnishing inaccurate inquiries and accounts without proper validation, which potentially violates Generally Accepted Accounting Principles ( GAAP ). Reporting such deceptive information is unacceptable Please provide me with the name and address of the persons who allegedly verified the alleged debt along with my written consent in wet signature permitting you to furnish this account on my consumer report as per the FCRA.
Product: Debt collection

On XX/XX/2018, XXXX  XXXX XXXX LTD Financial Services called me and stated that he was calling in reference to a debt that I had owed to XXXX XXXX XXXX in the amount of {$2300.00}. I stated that I had attempted to pay them and another firm but they said they did not have the file. I asked him how he got the file and he said that I had been contacted several times which is not a true statement. XXXX XXXX stated that they could make a settlement with me for {$1800.00} if I pay by XX/XX/XXXX. I said that I needed it in writing. He said he could not mail me anything but it had to be faxed. I sent him my fax number at work. He sent me the document. Now he keeps calling me asking me to send a cancelled check online for payment. The deadline has not passed. He is very rude and raises his voice saying things like " We are offering you {$600.00} reduction! ". I asked him to stop calling me and he stated " You were suppose to call me back! '' I feel that I am being harassed and not been given proper notification or time. I contacted the other firm ( XXXX XXXX ) and they said that they had not attempted to contact me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been falsely validated & verified as accurate while maintaining several inaccuracies. As pertained by the XXXX, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Equifax XXXX XXXX continue to break statute, U.S. code 15 U.S. Code 1681e - Compliance procedures, article ( b ). 

Inaccurate Address Inaccurate updated status Inaccurate date of last payment Inaccurate first late payment The inaccurate information being reported by XXXX XXXX XXXX direct violation of my consumer rights. I wish that this account be deleted from my report expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Call Transunion about 10 times a day to update my XXXX  XXXX to reflect on my accts XXXX XXXX and XXXX XXXX XXXX  they refuse but they did add XXXX to a XXXX  XXXX but im not in a XXXX XXXX  i ask to speak to supervisor, Special handling no one will help