23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased an investment property with XXXX last XX/XX/XXXX. The servicing is done in MiMutual Mortgage 's website, payment comes my business checking account using XXXX Mortgage 's name in the transaction description and each statement has XXXX Mortgage 's name in every page. 

Their last statement was produced XX/XX/XXXX for payment due XXXX. I have been since XX/XX/XXXX calling them because they don't have my XX/XX/XXXX statement which should have been produced XX/XX/XXXX. In these last 3 weeks they have told they will fax it, they will mail it, they will email it, 2 hours, 2 days, 3 days, etc and while I have spoken to several managers and supervisors because every single promise has never happened so each time I speak to them they apologize for the inconvenience followed by suggesting they can only submit another request. Today is XX/XX/XXXX and I don't have XXXX 's statement either which was supposed to be produced XX/XX/XXXX. 

They have told me they had an issue with statements but we are now 2 full monthly statements not provided and 3 weeks of hearing the same I need a statement for a home purchase and even this does not motivate them to actually provide a statement, I have made all my payments including XX/XX/XXXX one even though I do not have a statement
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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: Mortgage

Gateway refuse to offer assistance to borrower during covid. It is persistently dual tracking the borrower with multiple foreclosure postings while denying the loan for assistance after of multiple submissions by the borrower that are denied because Gateway claims the file is incomplete.
Product: Credit reporting or other personal consumer reports

I am writing to request a copy of my consumer credit report, as permitted by the Fair Credit Reporting Act ( FCRA ). 

I am seeking a comprehensive and accurate copy of my credit report, including information on my credit history and any associated public records.
Product: Checking or savings account

I could not access to my online banking and i called to the bank, they informing me that my accounts, and the account of my daughter too, the bank gave me the information that they will send us a letter and the money of each one of us to the address registered in the United States in a lapse of 7 to 10 business days counted from XX/XX/2018. 
we received only the letters but not the money. I called the telephone XXXX XXXX XXXX to know what had happened. We must wait 30 to 90 days to know what happened to our money for a unilateral decision of the bank.

While all the members of the family without recovering our money. 
I have been XXXX  on the XXXX twice and these situation of stress are endangering my health, in addition to being retired, feels discriminated against and abused with such uncertainty. 
We are not American citizens, nor are we residents, but we hope that our case will be considered abusive by you, because only after 29 business days the Bank of America decided to continue abusing our weakness and communicate the reality, a situation that was not exposed in the letter in which they communicate the decision to close our accounts. 
Bank of America shows scorn to the user when banking institutions must be clear and honest, because they not only manage, but survive with the funds of third parties that we trust in their credibility, as an institution and because they are from the United States of America.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a data breach. These accounts do not belong to me. 
XXXX ACCT # : XXXX, Bal- {$7400.00} Opened : XX/XX/XXXX XXXX XXXX ACCT # : XXXX, Bal- {$2400.00}, opened : XX/XX/XXXX XXXX XXXX XXXX - ACCT XXXX XXXX XXXX, Bal- {$1300.00}, opened : XX/XX/XXXX XXXX
Product: Mortgage

I 've sent three notices this year regarding my mortgage account being reported inaccurately to all XXXX of the major credit bureaus. 
Specifically, XX/XX/XXXX mortgage payment was made processed on XXXX/XXXX/XXXX yet it is being reported incorrectly as 90 days late. 
Also, my XX/XX/XXXX payment was made late only because the Caliber website had the monthly payment listed as {$1600.00} which was n't the case. I 've called and spoken to Customer Service Department representatives on multiple occasions who confirmed that the online account information was incorrect and therefore the less than full payment was n't an error on my part. 
On XXXX XXXX I spoke to XXXX ( ID # XXXX ) from the Customer Service Department who agreed and confirmed with his supervisor that both XX/XX/XXXX and XX/XX/XXXX payments were being reported incorrectly. The confirmation number I was provided for this particular conversation is XXXX.
Product: Credit card or prepaid card

Dear Consumer Financial Protection Bureau, I am writing to you today to request your assistance in resolving a serious matter that has caused me significant financial harm. I am the victim of an employment scam that has resulted in my credit card now having money stating i owe and i have filed disputes on both in which which are for the same exact amount of {$1000.00} to two separate individuals aka criminals, and I fear that I may also be the victim of identity theft. 

This sophisticated scam has affected me for more than six weeks now, and I have filed reports with all governmental regulatory agencies, including the FBI. I have provided all documentation to support my assertion, including proof that I was hired via email, sent an offer letter during this process, I was instructed to send personal funds for office equipment for my remote office to 'vendors, ' which I now know were criminals impersonating high-level executives at a global billion-dollar company. which is another crime in the state of NY All emails, XXXX XXXX, IP addresses, bank accounts, and more can be traced, and I have attached all relevant documentation to this letter. but so far no one has done anything to help nor stop these criminals and help me -the victim. 

As a result of this scam, my credit card in which i disputed these two fraudalent charges were pending until recently where now one is still pending the other they wildly absurdly rewarded the criminals stating i owe this money which is insane. its literally in black and white how i was scammed. ALL my facts and proof doesn't show anything. something clearly isn't right here nor have then read viewed all proof and documentation because anyone that would would easily see that I am 100 % a victim of employment fraud and every word screenshot hire letter interview official contact and more proves that. I always pay my bills in full and on time take a look at my credit report. and my bills that I contd to pay and struggle so hard with. I will NOT be responsible for someone illegally scamming me and stealing my money thats crazy. I was instructed to send personal funds by criminals for a new job I was so excited about. i'm the VICTIM here. 
This scam is so viral that major job sites such as XXXX, XXXX, and XXXX have put " Beware of '' in certain job descriptions and specifically stating they would never ask what the criminals did of me. I can attach this proof as well if need be. 

I am reaching out to you today to request your assistance in forwarding on my proof, my case, and my legal rights. I will employ legal aid to assist in this matter as well. I urgently need your assistance in resolving this matter as soon as possible. 

Thank you for your attention to this matter. 





ps. its also weird that I sent alot of money to two separate people for same exact amount within minutes of each other that ive never sent money to before and i even stated it was for office equipment and that I was instructed to do so by my new employer. all this is documented as well. funny how the bank didnt flag it or find it odd or acknowledge that I stated what it was for and by whom
Product: Credit card

I was checking my credit report today and noticed some accounts that I didn't recognize. I never opened an account with JCREW. The balance reported is XXXX. But still wasn't the one that opened the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX. According to 15 United States Code1681 which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the law. According to 15 USC 1681s-2B ( A ) Reporting information with actual knowledge of errors. After receiving a condition job offer from XXXX XXXX  on XX/XX/2023. I commence to participate in a background check on XX/XX/2023. I received an adverse letter XX/XX/2023 stated there was criminal findings on my consumer report. Due to this information my employment has been rescinded. After carefully examining The report I discovered inaccuracy alone with fair reporting act violations. Consumer reporting information must be updated and accurate according to law. I Filed a disputed with credit reporting agency on XXXX, XXXX, XXXX. Filed a complaint with XXXX  on XX/XX/2023. The Employer ( XXXX XXXX  ) Also Executed am illegal background check with open ended investigation ( By law companies only have a 7 or 10 year parameter ) that showed damaging information from XXXX XXXX ( A Discharged Case ). Which by law should have not been seen by my Employer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ) Cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution and requirements under the Electronic Fund Transfer Act and regulation E. These actions have caused significant inconvenience and financial loss, as I seek appropriate actions for these violations.
Product: Debt collection

XXXX of 2020 I went to XXXX XXXX  and paid off a phone and cancelled service, however they were still charging my account, I did an online chat in XXXX or XXXX regarding still being charged for the account, they said they apologize and will cancel the line, XXXX i got another email stated that my account will be permantly terminated if i do not pay the balance however the account was suppose to be cancelled since XXXX. In the store in XXXX the representative stated that they cancelled the service and unlocked the phone! Yet months later they were still charging me for the service. XXXX when I called a rep told me all I had to do was go into the store and show my ID and they will cancel once they verify that there was inactivity on the account and I would be cleared of the full balance. It hasn't even been a month later and I was sent to collection all because this company made a stupid mistake and did not cancel my service like I asked them to!
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Consumer Loan

TD Bank was the lender for an auto loan that I paid off a few years ago. I have had an extremely difficult time getting them to respond to my letters. TD Bank is reporting to the credit bureaus that my loan was 30 days late on XX/XX/2014 This is NOT accurate information. All of my payments were on time as I had the loan set up through my bank to automatically send payments via electronic transfer each month. I was a very good customer to TD Bank and do not understand why they would not want to correct their mistake. My payment was never 30 days past due. I have filed a complaint with both the XXXX & XXXX Attorney General offices as well.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries : Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consume
Product: Payday loan, title loan, or personal loan

I have been struggling for 2 years with this company. I'm a single mother of XXXX boys and can hardly pay my bills. I took a loan out XX/XX/XXXX in amount of {$5400.00} as of XX/XX/XXXX I have paid back {$6800.00}. That is my principal loan amount plus {$1300.00} extra they have made on interest. I have offered them a settlement to settle this account. I offered {$800.00} paid in full, making a total paid back my full principal plus {$2100.00} gain to there company. That is a gain of 40 %. I find that to be a very fair offer. They wont even consider trying to help and take that over XXXX and settle. They would rather someone loose everything. I'm very interested in finding or seeking a lawyer if they do not as well as filing a complaint with the state. I at least have paid my loan in full plus over XXXX they made in interest. They shouldn't be able to do these predatory loans in Missouri, they currently have a suit against them for doing illegal stuff with Virginia! People who are desperate and do not understand, nor did they actually go over the full loan details when I took the loan in XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX PM ( XX/XX/XXXX ) I received a text asking if I attempted to make a Zelle transfer for {$2000.00} " Reply YES or NO '' I replied " NO '' from there I received a text back saying " Thank you for your confirmation, case id # XXXX '' Then, I received a call at XXXX PM from a Wells Fargo number from a man claiming to be a representative for Wells Fargo stating that he was going to help me undo the money that had been fraudulently sent out of my XXXX. The representative had me verify my phone number and address so a new debit card could be issued and sent to my house. I logged into my Wells Fargo account. The representative had me add myself to my XXXX and XXXX myself {$1000.00}, then another {$1000.00}, then {$1400.00}. When I said the text only stated {$2000.00} was taken, he reassured me that since the text had been sent, the scammers had taken another {$1400.00} out of my account. The representative told me I was undoing the transactions that the scammers had just done. Once the money was sent, he hung up and I drove straight to my local Wells Fargo bank to get some help. There, they created 3 fraud claims for me, one for each of the transactions made. They told me that the number that called me was in fact a Wells Fargo number and they aren't sure how someone called me from it. I was also told that by making those XXXX transactions, I had actually been sending the money to a fraudulent bank account XXXX XXXX XXXX Wells Fargo had decided to not reimburse me my money because they could not find the fraud on my account. I am sharing this for others to see and to fight Wells Fargo, XXXX XXXX  and XXXX to get my {$3400.00} back. I have reason to believe that one of Wells Fargos own employees was the fraud on the other end of the phone. If it wasn't an Employee, Wells Fargo has scammers breaching their phone lines and hacking their phone systems which needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value CREDIT BUREAU 's help to remove a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 CREDIT BUREAU is expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

In the year XXXX, I discovered I was a victim of identity theft with my XXXX XXXX Credit card. I was able to prove my innocence because I have access to my online account and credit card. I submitted the proper documentation to all the credit bureaus alerting them I am a victim of identity theft and all bureaus approved my case. Randomly I started receiving letters from a JetBlue Card/Barclay 's Bank saying I was past due on payments in the year XXXX. I have never heard of or opened a JetBlue Card, so I disregarded it as spam. It started receiving letters from a collection agency saying I owed over {$19000.00} in debt from JetBlue/Barclay 's Bank I decided to call Barclay 's Bank to see what was happening. It has turned out that in XXXX of XXXX ( the exact time the identity theft started of the XXXX XXXX XXXX ) there was a JetBlue credit card with my information. Someone has opened another credit card with my information. The problem is that I have no clue what are the purchases, the credit card, or online access to the account. I was completely in the dark with no way to dispute the charges. I finally received statements and all the charges have been made in XXXX. " XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX '' are all cities in XXXX. All the purchases are made in pesos ( XXXX currency ) and converted to US dollars with an interest rate. All transactions are either a tire shop, restaurants, pedicure & car service. The credit limit is {$10000.00} over 3 days, between XXXX XXXX the person spent {$9500.00} & XX/XX/XXXX the person spent {$410.00}, basically maxing out the credit card in 4 days. Between XXXX and XX/XX/XXXX, the person spent an extra {$13000.00}, the person tried to make payments using a Chase account but I don't have a Chase account only a Bank XXXX XXXX, before stopping in XXXX, XXXX, XXXX, and XX/XX/XXXX. ALL THESE TRANSACTIONS WERE MADE IN XXXX DURING A PANDEMIC WHEN FLYING WAS VERY RESTRECTIVE, ALL PURCHASES WERE MADE IN XXXX XXXX ( PESOS ) CONVERTED TO XXXX DOLLARS, AND NEARLY {$20000.00} WAS SPENT IN 2 MONTHS ( CREDIT LIMIT IS {$10000.00} ), AND NO SUSPICIOUS ALERTS WERE MODIFIED TO JETBLUE CREDIT CARD. I imagine because the card was being declined. This occurred at the same time the XXXX XXXX XXXX theft happened, this happened in the year XXXX during a pandemic where flying was very restrictive. I worked in construction and was considered an essential worker so I never stopped working in the year XXXX. I have attached my paystubs to JetBlue/Barclays Bank XXXX XXXX company work paystubs for XXXX and XX/XX/XXXX as proof I was not making these purchases in XXXX and working at the same time. I don't have family in XXXX or know anyone whom I will give access to. Finally, I was shocked JetBlue did not see these rapid purchases as a warning especially going over the credit limit. Thank you for reading and I hope this can be resolved soon. Please see all the attached documentation for evidence of fraud.
Product: Vehicle loan or lease

I am a victim of identity theft. Please delete or remove this items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Student loan

Hi, we are fighting with the former Sallie Mae now Navient.The 2 loans in question should have never been approved due to the fact one my husband is XXXX and getting XXXX and un able to work.Second the loan paper application was forged with his signature.the dates are XX/XX/XXXX and XX/XX/XXXX.We did contact the XXXX XXXX XXXX around XX/XX/XXXX.Sallie Mae wanted my husband to go for identity theft after we contacted the XXXX  because or daughter signed her dads name.
Product: Credit card or prepaid card

I used a company to send an email to Capital One asking for a Goodwill removal of some late payments. In response to that email, Capital One sent me a letter stating that they could not change my address unless I give the 3rd party permission. It also said a copy of the request was included with the letter. I did not request an address change and the copy of the request showed what we asked, a goodwill request for removal of late payments. Included with my request, was the request of 6 other Capital One customers. It showed these customers name, address, phone number, the majority of their account number and a link to their social security number. 
I contacted Capital One customer service because I was obviously concerned about these customers data being leaked as well as the possibility of my data being leaked. 
I was initially told by the cs agent to just destroy the documents and to sign up for some " credit monitoring '' at my own expense because she couldn't confirm if my data had also been leaked. I asked her if they intended to inform the customers that their info had been shared. She then gave me a po box address to send the info back to at my own expense. This response is completely unsatisfactory. They sent out peoples private info and are acting like its no big deal and expect me to foot the bill for my own credit monitoring?! Nevermind the fact that they never even responded to the goodwill request.
Product: Debt collection

I intially wrote to CARTER YOUNG on XX/XX/XXXX to validate an allege debt that they claimed I owed. I did not receive a response until XX/XX/XXXX, which was a letter stating a denial to provide me with a validation of the debt. Not only did CARTER YOUNG deny me my right to a validation of debt but also failed to provide me the material disclosures within the 5 days allowed, which is a violation of 15 USC 1692g. In addtion I was given false misrepresentation that I owe a debt in a positive balance, as seen in Exhibit A. How can you pay on a debt that is in a positive balance? This is another violation of federal law 15 USC 1692e ( 2 ) ( A ). Also they failed to notate and disclose the XXXX correctly that This communication is from a debt collector. This is an attempt to collect a debt and that any information obtained will be used for that purpose, which is another violation of 15 USC 1692e ( 11 ). Most importantly CARTER YOUNG sent me a cover letter stating that I owe an alleged debt, and referenced an enclosed document sent with this cover letter. This document they sent in referenced into my alleged debt is not even mine. The form shown as Exhibit B is clearly sent from a XXXX XXXX, who I am not nor have any relation to. This is false and deceptive which violates 15 U.S. Code 1692e ( 10 ). The form I initially sent you can be referenced in Exhibit C.