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

I was a victim of a fraudulent phone scam on XX/XX/XXXX. The unidentified scammer impersonated a XXXX XXXX law enforcement officer and persuaded me to pay a certain officer at the U.S. Treasury Department for two allegedly outstanding, but fraudulent, citations. I was fraudulently induced to pay an electronic transfer fee in the total amount of {$3000.00} from my account at Wells Fargo. Wells Fargo, through XXXX XXXX XXXX, XXXX XXXX XXXX, transferred the funds to the criminals account at XXXX XXXX  on XX/XX/XXXX. Once I realized that this was a scam, I immediately contacted Wells Fargo to notify them. 

I am sure you are familiar with the XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX letter that was submitted to the CFPB. Just in case you are not familiar with letter, I have enclosed a copy of it for you to review. 

The Consumer Financial Protection Bureau ( CFPB ) and the FDIC previously clarified that Regulation E of the Electronic Transfer Act protected victims of fraudulent money transfers, including those who were induced into transferring the money themselves, and the FDIC issued a report in XX/XX/XXXX finding that the banks and the platform were both responsible for fraudulent electronic transfers through this regulation. 

The FDIC states that the EFTA applies notwithstanding that the customer is tricked into fraud.

Given the clarification from the CFPB and the FDIC, it is clear that even though I was fraudulently induced into submitting the XXXX transactions, I am still protected under the CFPB and FDIC since I was a victim of fraud. Given the information above taken directly from the EFTA, FDIC, and the CFPB, Wells Fargo and XXXX XXXX XXXX is responsible to refund the {$3000.00} to my account. Thank you.
Product: Credit card

After filing several complaints with both Office Depot and Citibank neither responded nor cared to do anything about it. This left me with no other options other than to file a complaint with the Attorney General 's Oce and now with the CFPD. I have only received two emails regarding the complaint and the complaint was filed back in early XXXX. 

I purchased both a printer and a computer with a 3-year extended warranty on both. At the time I was told they were running a promotion that would allow me to take advantage of interest-free payments for 12 months. This is what sold me so instead of going with Best Buy I went ahead and applied for an Office Depot credit card and purchased both products. 
My first payment was due XXXX of XXXX and ended XXXX of XXXX. I noticed that three months into my promotional plan they started charging me interest, I called customer service and was told promotional plan was only for 6 months not 12 months and the store had told me the incorrect information. So, I immediately went to the location where I purchased the items and confronted both the sales rep and store manager, and they told me it was a 12-month promotion and to reach back out to customer service and let them handle it. Neither Corporate, Customer Service nor the Store did anything about it and they have not up to this point. I have reached out several times and have gotten nowhere. Another issue I was having is the allocations of payments, how much was applied to the principal balance, apparently when I made a payment Office Depot decided how much went to the principal and how much of my payment was applied to interest. It seems the interest won that battle and if I wanted to entire payment to only be applied to the balance, I had to call customer service every month requesting this. Last my Extended Warranty has not been honored and XXXX argues that I never purchased it, and I have documentation proving otherwise. After a lengthy conversation with my Attorney this sort of thing should never have happened. One miss handling my payments and too offering a promotional plan with no intent of honoring it. Second, Office Depot reported to all three credit bureaus false information regarding a delinquent payment that never happened. And one last thing, Office Depot blatantly ignored all correspondence sent to them from the Attorney Generals Office, nearly taking 2 months getting back with them and as me. I am not sure if I am comfortable communicating with them at this point, they have proven to be disloyal, dishonest, and dishonoring in their words. I have retained counsel, and his name is XXXX XXXX XXXX. If you have any further questions, please have Office Depot reach out to him. 

XXXX XXXX
Product: Debt collection

I Received a letter in my mail saying that I cashed a check that was sent to me so Its a loan and I need to pay starting XX/XX/2021. I have not seen any check in my mail, I ve not cashed out anything and I ve not heard of the company TOWER LOANS before.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 at approximately XXXX I spoke with a representative from experian and advised him that I had inaccurate information reporting on my credit report. There was a XXXX  card that showed closed and reporting late payments. I opened up a dispute and it was completed on XX/XX/2023 showing as updated instead of removed. 

In accordance with the fair credit reporting act Experian, XXXX, XXXX, XXXX and XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish a account without my written infractions.

15 USC 1666 B states that a creditor may not treat a payment on a credit card account under open end consumer credit plans as late for any purpose. 

According to Metro 2 Compliance the above stated account 's does not meet the standard and doesn't follow any of the FCRA and the ECOA
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to TXXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I found out that I was receiving a very low rate on my XXXX XXXXXXXX XXXX Market account as opposed to other XXXX XXXX XXXX Market account holders, and the rate disclosed by Northwest Bank 's website. I have been receiving a rate of .46 % while Northwest Banks published rate sheet discloses the rate I should have been receiving as 2.25 % as of XX/XX/XXXX. That rate sheet is still the rate sheet in effect and on Northwest Bank 's website today. Nowhere on their rate sheet, or website do I find the interest rate that I have been receiving. 
After much effort I was able to get the bank to change my rate to 2.25 % as of XX/XX/XXXX. That does not make me whole. I initiated a complaint with Northwest Bank to receive the accrued interest to which I believe I am entitled and today received their response. NO. So apparently, Northwest Bank customers with the exact same account ( XXXX XXXX XXXX  Market ), with the exact same name ( XXXX XXXX XXXX Market ) in the exact same region, with the exact same requirements to maintain the account can be treated differently when it comes to the interest they pay on the account. Even though I can find no current published rate sheet reflecting the .46 % interest rate.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, TX XXXX ph : XXXX XXXX XXXX, email : XXXX Date : XX/XX/XXXX To : Consumer Finance Protection Bureau Dear Sir or Madam : Re : Fraudulent Billing by AmeriSave Mortgage Corporation Loan XXXX XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX, ph : XXXX, fax # XXXX fraudulently overcharged {$830.00} in my Loan # closed on XX/XX/XXXX. Collected a total of {$2400.00} towards Impounds/Escrows, itemized as County Property Tax {$970.00} Home Owners Insurance XXXX MUD Taxes XXXX Total {$2400.00} whereas during transfer of Loan Service to XXXX XXXX transferred {$1800.00}, owing a balance f {$520.00} Offered a Lender Credit ( page 5 of AmeriSave Disclosure Statement dated XX/XX/XXXX ) of {$230.00}, whereas paid {$29.00}, owing balance {$200.00}. 

Multiple attempts made to obtain clarification of these transaction, but AmeriSave Mortgage Corporation refused to respond, but transferred the Mortgage Loan Service to XXXX XXXX XXXX XXXX. In addition, the interest rate offered was based on an erroneous Credit Report. Credit File corrected and I requested XXXX to review for a better interest rate, but they refused to respond. Rushed me to sign a second disclosure and closed the loan. 

I request your intervention to please facilitate payment of the overcharged {$830.00} as soon as possible. 

Thank you XXXX XXXX
Product: Debt collection

I received a voicemail from XXXX XXXX The person stated her name is XXXX XXXX with XXXX XXXX XXXX. She said she received a complaint in her office and she will be filing here in XXXX County, Illinois, but the case was reviewed and before filing, I must contact her at XXXX to address the proceedings sign off on the documentation. My father received a phone call from the same person, trying to locate me on XX/XX/2017. 

I received a voicemail from XXXX XX/XX/XXXX. The person stated her name is XXXX, and my account is on hold. She stated that if no contact is made she will be forced to forward the documents to my home, and to contact her at XXXX. 

I received a voicemail from XXXX X/XX/2017. The person stated her name is XXXX XXXX, and that she is a process server in XXXX County, Illinois. She stated that she will be serving legal documents to my home or place of employment if I do not respond and sign the documents. She stated that my refusal or inability to sign the documents will be considered a missed court date and the legal process will continue without me. She stated I am to call XXXX to address the proceedings and schedule a time to sign the documents. 

I believe these incidents are illegal, and all the same people/person that has been harassing me. I do not have any accounts in collections that I 've found during credit checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX hasn't changed my credit score and accounts are incorrect on my credit report. For three months, I have been unable to get my credit scores or report correct. All three credit bureaus have received information from my creditors and they have not changed anything on my credit report. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, SC. XXXX
Product: Credit card or prepaid card

I did a balance transfer from my CAP ONE account to my XXXX ion the amount of {$1700.00} in XX/XX/2018. There was an issue of some sort in payment processing which resulted in a supposed returned check payment on CapOne 's side, but XXXX  does not believe that to be the case. So now I have a {$1700.00} balance on my CapONE card and my XXXX. I am paying CapOne {$1700.00} that I technically do not owe because this card should be at a XXXX   balance. XXXX  has escalated the issue on their end, but they are telling me they have had no luck with a response from CAPone. They have tried reaching out to CapOne via email, and through regular mail. CapOne has been no help whatsoever and this causing a great deal of stress now, because I take care of my credit.
Product: Debt collection

This account does not belong to me. I do not know where this account came from but it is not mine!
Product: Credit card

On XX/XX/2023, I was charged {$82.00} by XXXX XXXX XXXX in XXXX, Oregon. Of that amount, {$27.00} was in unauthorized charges. I reached out the XXXX XXXX XXXX and they informed me that they would provide a refund in the amount of {$27.00} for the charge. That refund did not materialize, so I reached out to Barclay Card to dispute the additional {$27.00} in charges. I began this dispute in early XXXX of 2023 and I received a letter from Barclays dated XX/XX/2023 that a provisional credit would be issued in the amount of {$27.00} for the disputed transaction. I logged into my account and a credit was issued in the amount of {$27.00}, but was immediately rebilled by Barclays for the exact same amount. I contacted Barclays to determine why the rebill was applied and I have not been given a reason and I was informed that a letter explaining the reason would be provided. It is not XX/XX/XXXX and I have received no such letter from Barclays and I have called multiple times with no resolution and no explanation as to why I have been rebilled, after I was informed that a credit in the amount of {$27.00} was authorized.
Product: Debt collection

BROWARD ADJUSTMENT SERVICEXXXX XXXX XXXX XXXX FLXXXX ( XXXX ) XXXX found out about this collection by checking my credit report on XXXX XXXX, 2015. 
This company never communicated with me by mail or a phone call. 
I have asked 2 times over the phone. First on XXXX XXXX, 2015 and then on XXXX XXXX, 2015 to send me their information and the information of the company that they are collecting for and they keeping playing with me and telling me : " Yes we are going to send you the information '', but today XXXX XXXX, 2015, I have not received the information and they have my correct address and phone number. 
Because of this, Broward Adjustment Service is " refusing '' send me their information. 
They claimed that they have been trying to collect this account since XXXX 2015 when I have never been contacted by this collection agency ( all of my phone bills are available upon request ). 
They never gave me the chance to pay this collection before it was reported to the credit bureau agencies. 
They claim that I have made a {$30.00} payment to them when I never have done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian will not dispute fraud items on credit report have filed a police report with local police and with identitytheft.gov and sent them to them still unable to get items remove.
Product: Payday loan, title loan, or personal loan

I'm not swayed that XXXX and XXXX XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX XXXX are reporting inaccurate information on CHECKNGO/AXF with account number XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/year> to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$540.00}, XXXX XXXX XXXX Balance Owed : {$4800.00}
Product: Debt collection

I Lose my job and they close my account, since XX/XX/2017 now they said that i own a {$4500.00} to them
Product: Credit reporting, credit repair services, or other personal consumer reports

EXHIBIT A - herein annexed Personal information, page 25 of 26 of Experian credit report number 1 XXXX , Dated  XX/XX/XXXX  showing PO BOX address with an Address identification number  XXXX  linked to   XXXX   XXXX   with the same address identification.
<P/>
On  XX/XX/XXXX ,  XXXX  credit card representative and that persons supervisor,  XXXX , denied any PO BOX address in their records, therefore, they can not report such PO BOX to anyone.
<P/>
As a result, this PO BOX address must be removed from ALL credit reporting agencies.
<P/><P/>
EXHIBIT B - herein annexed Account in good standing page 20 of 26 showing   XXXX   XXXX   with the same Address identification number  XXXX  that establishes a link between PO BOX address and this credit grantor,   XXXX   XXXX  .
<P/>
On XX/XX/XXXX ,  XXXX  credit card representative and that persons supervisor,  XXXX , denied any PO BOX address in their records, therefore, they can not report such PO BOX to anyone.
<P/>
As a result, this PO BOX address must be removed from ALL credit reporting agencies  .
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft where an XXXXXXXX XXXX XXXX  was opened without my consent nor knowledge. I have submitted an FTC report and a police report regarding this matter. According to the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B, any information resulting from identity theft, including fraudulently opened accounts, must be promptly blocked from appearing on my consumer report!
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

I have attached the documents and IDTheftReportXXXX LATE PAYMENT Account Name : XXXX  Account # XXXX Date XXXX Balance Owed : {$0.00} Account Status : Closed Account Name : XXXX  Date XXXX Balance Owed : {$0.00} Account Status : Open INQUIRIES XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX  FINANCI XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA, Employers : XXXX XXXX UNIVERSITY
Product: Mortgage

XXXX MONEY REFUND Date : XX/XX/2018 To : XXXX XXXX, XXXX and XXXX XXXX   XXXX, XXXX From : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX XXXX, TX XXXX XXXX : XXXX XXXX - {$3000.00} - XXXX XXXX XXXX, XXXX XXXX, TX XXXX This letter today is to request my XXXX Money of {$3000.00} from XXXX XXXX, XXXX. I am of sound mind today and understand today that I was not confused but was not informed of the Projected Payments such as Principal & Interest, Mortgage Insurance, Estimated Escrow and finally the ESTIMATED total Monthly Payment from the lender XXXX XXXX XXXX, XXXX would be greater than what I signed on the Closing Disclosure XX/XX/XXXX - At that time I understood the total monthly payment as XXXX per month as I had made this clear from the start of the Executed Contract and loan process ; and when I signed the Closing Disclosure again on XX/XX/XXXX ( see attached CD ) I understood this as my final monthly payment for the next 30 years. 
My fear arose on the day of closing XX/XX/XXXX the closing documents promissory note stated XXXX plus a month ; This was so confusing not only because I do not fully understand the lending and closing process but the only clear understanding from the beginning of the Contract and the Loan was this I was very clear from the beginning that I can not afford to pay a house note of XXXX plus a month Today I kindly beg with much respect that XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX return my XXXX Money of {$3000.00} due to the fact that I did not understand how this came about or much less, why the documents in a closing are not in XXXX this would have been better for me, but most of all why the Salesperson as XXXX XXXX, XXXX has to explain the loan process when she would say one thing, and the lender would say different ; why did the lender not explain this to me, Im very hurt, discouraged and still upset about the whole ordeal. 
I understand this letter as my basic XXXX of my understanding of what took place.
Product: Credit card or prepaid card

When paying Apple credit card bill online, started to receive fraudulent charges and emails. Apple ID compromised. Identity theft now issue, email address also being compromised
Product: Debt collection

I was served with a complaint in a foreclosure case, Index # XXXX, on XX/XX/XXXX, which was in Supreme Court, XXXX XXXX, New York. 

That case was Voluntarily Discontinued by plaintiff XXXX XXXX XXXX XXXX XXXX, ( XXXX ) on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX reopened the case, XXXX # XXXX. A debt collector, Leopold & Associates, is the company designated to handle the case. 

In an earlier complaint I filed with your agency, the Consumer Financial Protection Bureau, ( CFPB ), against XXXX, which dealt with the Statute of Limitations, XXXX indicated that they were not the party involved in that matter, that I should take it up with " another company. '' This was a strong indication that they are not the plaintiff in the case, but they worded it in such a way that they did not clearly say this. 

This complaint against Leopold is an attempt to identify them as the owner of my Note. In the majority of cases, a debt collector buys the debt for pennies on the dollar and pursues collection for themselves. I believe this is true in my case.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are showing a bankruptcy on my credit report which was reported by  US Bankruptcy Court. I contacted the court and received a letter that states the do  not report to the bureaus. I also have a security freeze on my personal file with  XXXX , a private third party company, to prevent them from giving my information to anyone.     The credit bureaus have refused to remove this from my credit report.