23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

First off this XXXX is being impostered by two people : XXXX ( Don't know his last name ) : ( XXXX ) XXXX and another person that goes by the name of XXXX XXXX : ( XXXX ) XXXX. They said that in order to boost my score they would do what is called a reroute to boost my credit score. I didn't know what this was until they started heavily requesting reversals on my checking bank account and had me do bitcoin and gift card/money card combos to return the money my bank was placing in my account. They continued doing it until I told them to stop, but cont 'd still doing it. They took thousands from me and now I owe my bank. Then I looked for another company by the name of XXXX XXXX. The guy who sent me a " supposed '' document to sign was named XXXX XXXX : ( XXXX ) XXXX and the other person who alleged would help me, he went by the name of XXXX XXXX : ( XXXX ) XXXX. This guy said he would fix the damage the others did and had me do the same thing, once money came into my account because of the reroutes, he said I'd have to do the same and do bitcoin and giftcards so he could supposedly put back the money. He took thousands as well and this prompted me to per the advice of the Fraud Dept. of XXXX to take a statement from me, block my accounts and have me go to my bank branch and close my accounts and open new ones as well as obtain a new debit card as well since both these phony lending institutions had all my info including my DL, social security number and pin to my debit card. I feel embarrased, ashamed, and emotionally depressed that this happened to me. All I was looking for was a loan to help me with my second job. I work hard and honestly for my money and for these pieces of garbage to take advantage and use my emotions is totally unfair. Both phony lending places said that they do this because I avoid paying fees. Please HELP me recoup my money as it is owed to XXXX now from my own pocket!
Product: Mortgage

I was shopping for an investment property mortgage refinancing and XXXX XXXX XXXX ( XXXX ID XXXX ) from Wells Fargo, XXXX XXXX, Iowa was helping me. He quoted me an interest rate of 3.5 % with a 3.679 % APR. He also stated my credit score was XXXX. My credit score is around XXXX from the XXXX credit bureaus. In addition, XXXX stated the appraisal fee would be {$470.00}. When XXXX e-mail me the loan paperwork, the interest rate is 4 % and there is a whopping {$8000.00} closing costs for the loan. The appraisal fee also changed to {$720.00}. I called XXXX and e-mailed XXXX asking why. He never returned my calls or respond to my e-mails. This is deceptive advertising on behalf of XXXX and Wells Fargo. I do n't know how many more consumers are being ripped off from people like XXXX and Wells Fargo if they do n't read their paperwork. Something should be done about this.
Product: Credit card

I called Truist Back and advised them that XXXX was trying to take money out of my account through a special moneyntransfer that I had never heard of. Truist said dont worry, we got this, They lied. XXXX got {$1000.00} of my money, than they got {$700.00} of my money from my XXXX  account. XXXX  got my money back, Truist never did, they are being very evasive about it, adding overcharge fees to my account as well. They absolutely refuse to get me my {$1000.00} back. Truist and XXXX have ripped me off for {$1000.00} dollars. This started with a fellow named XXXX XXXX at XXXX, and XXXX XXXX  in XXXX  services XXXX Where is my money?
Product: Credit reporting or other personal consumer reports

The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

XXXX, XXXX, XXXX
Product: Mortgage

XX/XX/2019 on this day I contacted RoundPoint Mortgage Services about a late payment charged to me. The late fee is {$19.00} which is charge if payment is not recieved by XX/XX/2019. I made a payment after XXXX XXXX over the phone and was told by recording it will be posted the next business date. On the next month statement I had a late fee charged to me for {$19.00} for XX/XX/2019 statement. I am being charge for being late over the phone on the XXXX which is the received by the date of the XXXX of the month which is stated on the statement, ( If payment is not received by XX/XX/2019, a late fee of {$19.00} will be charged ) this is stated on all of my mortgage statements. If RoundPoint is charging me a late fee on the XXXX it is a false statement being post on my mortgage statement. I have never been charge a late for paying on the XXXX of the month over the phone making a payment. I spoke with customer service and after debating the charge i was placed on hold while she spoke with someone about this. She did come back on the line and said that they would omit the late charge as a courtesy this time but i need to make my payment by the XXXX. However my statement says payment not received by the XXXX it is late. There is some contradiction on the statement of false misleading information and needs to be corrected.
Product: Credit card or prepaid card

XX/XX/XXXX {$1500.00} EFT P2P Netspend froze my card for a transaction, upon calling i was told someone tried to do a person to person transfer of funds and they stopped it. I was advised a new card would be expedited to me. The next morning i received a call from Fraud Prevention department. He had me verify my information and then said the hold would be removed from my card and to disregard the new 1 coming. Later that day i noticed my phone no longer working. upon calling my provider i was told my number was ported to a phone i TX i reside in PA. i immediately tried to check my netspend account and my info was changed and i couldn't log on. I called Netspend only to find out that XXXX was electronically transferred to a card with my information attached.The rep told me they froze P2P transfers on my account and yet that how my card was emptied. They wouldn't freeze my account before the funds were taken per the ELECTRONIC BENEFITS ACT guidelines! I have not received a provisional credit as stated in netspend terms. I have found over 20 people who have experienced the same EXACT FRAUDULENT ACTIVITY with netspend IN TEXAS and their refusal to refund transferred funds under REGULATION E, EFTA, XX/XX/XXXX. I am also contacting ATTORNEY GENERAL office XXXX XXXX of Texas, XX/XX/XXXX, and a consumer protection attorney. As it appears a rep with Netspend is providing consumer information to commit fraud on their consumers. The FEDERAL BUREAU OF INVESTIGATION and TEXAS POLICE DEPARTMENTS have also been contacted due to the number of proved cases of fraud out of Texas where our funds is transferred to additional cards bought at the XXXX  or XXXX XXXX  in Texas despite us residing in other states using our private information .Netspend is a scam and never want to return funds they have stolen. I have made it my mission to get this out to the public and alerted the news. I will also be contacting FDIC and ATTORNEY GENERAL OF THE UNITED STATES!
Product: Debt collection

I was forced to move from XXXX XXXX XXXX due to loss of a major Contract.On the Morning of XXXX XXXX  I discovered that my XXXX was not in the Underground Parking Garage.I had parked my car in the garage during a severe thunder and lightening storm.XXXX  XXXX XXXX does not have XXXX XXXX.I normally park my car at XXXX XXXX which is across the street from XXXX XXXX. 
I am a XXXX XXXX.And I am responsible for Patient Care at several Facilities in the greater XXXX Area.I was unable to locate my car for several hours.And I was forced to cancel a full day of work.Patients ( And their Families ) were forced to cancel their schedule procedures .Most Patients wait months to get scheduled for their procedures. 
I previously paid XXXX XXXX XXXX a {$25.00} fee to park .This was despite the fact that I had to pay to for XXXX charging several times a week.There was no security for vehicles since vehicles were broken into.And there was no monitoring of vehicles in the garage.Numerous vehicles did not have XXXX XXXX Stickers on their windshields.I witnessed vehicles tailgating into the garage on a daily based.Most without XXXX  XXXX vehicle stickers. 
Warfield Hunter a Collection Agency was given personal information ( My Emergency Contact person 's phone number ). 
XXXX XXXX XXXX was given sixty days notice that I would be vacating.The early termination was based upon the above events.All that were extremely harmful to my ability to earn a living.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consisently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), XXXX U.S.C XXXX, which mandates a reasonable investigation of disputes. Futhermore Equifax 's action may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ) as highlighted in CFPB 'S recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation,
Product: Money transfer, virtual currency, or money service

I sent money to the wrong person in error... I could not get my money back.
Product: Checking or savings account

I made a purchase for a suitcase from an online merchant which represented themselves as an original brand. When I received the item and the purchase confirmation I realized the merchant was actually overseas but presenting themselves as a local brand. As soon as I received the item I was unsatisfied and contacted the merchant. The merchant was overseas and were limited in there English writing skills but I did get in there messages to return the item and that they would provide a refund. 

I disputed this transaction with my bank USAA initially on XXXX XXXX, 2017 the amount of {$250.00}, almost three weeks after the initial purchase. They provided me with a provisional credit right away. But it seems they needed more information on the transaction and because I did not provide it they came back and took the provisional credit back. After realizing what occurred and speaking to my bank I went to my email and provided the bank all of the requested documentation including emails between me and the merchant and USPS documentation showing the item was returned back to the merchant. 

It has now been over 100 days I still have no solution to my dispute. I 'm still waiting to have my funds of XXXX refunded. The item has been refunded back to the merchant. the merchant has stated they have requested to the bank to have funds refunded I do n't know if that is true or not.
Product: Credit card or prepaid card

My XXXX branded credit card was bought out by Barclay 's bank XXXX.

However, they failed to transfer the automatic payment. And give proper information.

Futhermore, all the Barclay 's mailer looked like a normal credit card offer or a potential phising scam since XXXX had my XXXX card since it was opened over 10 years ago. There communication therefore was securely shredded as precaution. I was not aware it change banks without my prior authorization either. 

Futhermore, when calling Barclay 's to setup automatic payment they failed to do so. Only manual payment seemed to work for awhile. This change and automatic payment issues resulted in Barclay 's marking the payment late on XXXX XXXXWhich resulted in another late payment marking on XXXX 2021. 

I called and had Barclay 's fix the issue. They stated they would make sure it doesn't show late payment on my credit card report. However, they also failed to do so.
Product: Credit card or prepaid card

I ordered something on XX/XX/2018 and cancelled it in the morning. Since it was a international transaction, I cancelled the order and called my bank first thing in the morning to give them a heads up. The company said since it's a international transaction, it'll take 2-3 weeks to get a refund. I never received my refund and the company stopped replying to my emails. I called my bank and they marked it as a fraud case and wanted me to prove the merchandise was counterfeit, even though I never received it. After several months of back and forth, I finally got in touch with a supervisor who listened and realized the reason my claim kept getting denied was because it wasn't a fraud case and instead just a dispute, she said I'd get my money back in a few days but I never did. I've been calling US bank and staying on the line for hours waiting while my call is transferred to the correct department only to be picked up by voicemail -- apparently their dispute department only works couple hours a week. 

I just want my {$330.00} back from US Bank. I called them when I cancelled my order and I never received the merchandise ( i cancelled it ) and never received my refund from either side. I'm not sure what actions I can take to get my money back.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/year> To whom this may concern, I need clarification as to why you are reporting certain information on my credit report. Please review the following. 

According 15 US Code 1692g 1 ) I need you to send me a full detailed list of the payment history on this account. 
2 ) I want to see the original signature that I agreed to the contact for this creditor.

3 ) Has there been any insurance claim found on the DEBT.

4 ) Lastly, I want to see the chain of titles that you have to collect on this DEBT.

Thank You,
Product: Credit reporting

i disputed XXXX accounts with experian and they ended up sending them back verified, so under my right under the fcra i had sent in a letter certifed mailed wanting a summary of how the got the information to actually verify the account, under the fcra law they are required to provide the consumer with a description of how the investigation was conducted and what resources they used to verify the accounts, the fcra code is ( FCRA Section 611 ( a ) ( 7 ). ) it states that they have to provide this information no later than 15 days after they receive my request, and they clearly did not all they sent me back was there letter saying they will not investigate these accounts again so as of now i am 100 % positive that they are in violation of FCRA Section 611 ( a ) ( 7 ).
Product: Mortgage

My mortgage was sold from XXXX to Shellpoint Mortgage Servicing. I received a letter to submit proof of homeowners insurance, I mailed it as the letter indicated I could do, a month later I got another letter so this time I used the company online XXXX XXXX XXXX that they said was available to submit through and I saved the email stating I used it - no details in the email as to what I did. But proof I did something on that date on that website. Then insurance was force placed and I sent a note online through the Shellpoint system with the email proof attachment. I received a letter today ( certified ) that stated nothing was received and that I had to get them proof of insurance and make sure the ISAOA is Shellpoint and that they can't determine an error occurred on their end and are still expecting that I pay them fo reforged placed insurance. 

First of all I didn't ask to have my loan sold, insurance has AWLAYS been in place and has not changed companies for at least 3 years. If they are selling /buying my loan then they should update the ISAOA, I don't need more things to do in my day because they want to make money. In addition to that if I can mail something and it is not required to be certified then you should not be able to say you didn't get it to put {$4000.00} insurance on my home. I feel like this is orchestrated so people are charged excess money. My insurance has never lapsed and I have not asked to have anything on my loan changed. I did what I was asked when I mailed and then later went on a website and entered info. I was not aware I HAD to change the ISAOA after the sale, they had the documentation. If I was responsible then I should have been sent a bold letter letting me know what to do. I don't know because my mortgage is sold, I have that responsibility. This is the 2nd time XXXX and now Shellpoint has force placed insurance on my home. I can prove it has never lapsed In addition I had to do all of the leg work to have my PMI removed with I automatically hit 78 %. That should not have been my job either. They have a responsibility to the customer and I still think they charged me too long for it because my amortization schedule said I met the 78 % in XXXX and I continued to pay PMI in XXXX & XXXX before it was dropped form my payment.
Product: Mortgage

My XXXX XXXX plan ended on XX/XX/XXXX. The qualifying event for the forbearance was a reduction of income. My property was in a FEMA declared disaster area qualifying for individual assistance. According to XXXX XXXX guidelines I should be qualifying for a 12 months payment deferral. At the time of writing this complaint Im 14 months delinquent. Im fully aware I need to bring down the balance down to or below 12 month delinquent for my file to be referred for a disaster deferment. However Im unable to make the payments with my servicer after attempting many times over the phone. Not having 12 months or less is the reason I was denied for a XXXX XXXX 

Please note on my file I previously had a XXXX XXXXXXXX XXXX  To clear any possible confusion please review XXXX, XXXX XXXX XXXX ( XX/XX/XXXX Please see page XXXX on the servicing guide I have attached XXXX XXXX XXXX Please review servicing guide in detail that Previous XXXX XXXX XXXX does not take away my loans eligibility for a XXXX XXXX 

Please take this matter seriously. I will be engaging a full on Lawsuit against shellpoint mortgage for negligence if I was to suffer any financial losses due to foreclosure and negative credit reporting. I been trying to resolve my issue since mid XXXX until now. Havent heard from my assigned point of contact or anyone qualified to provide clear updates.
Product: Debt collection

My wife had been to XXXX XXXX before me they made her pay both times she was there even though her insurance said they was not supposed to charge for XXXXt 2 calls so she called them she had a credit on her account for {$40.00} and asked them to transfer to mine which would still leave a credit of {$5.00} this was supposed to be taken care of but then we got a letter from a collection agency we wrote them back and explained never heard from them again but this showed up on my credit report we even tried contacting XXXX but they never answered their requests either.
Product: Debt collection

GOLDMAN SACHS BANK USA XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home, which required my credit to be pulled. This complaint is due to a collection from XXXX XXXX XXXX who has a collection filed against me with XXXX, XXXX  and Experian, which dropped my score significantly. I received no phone calls or contact via US Mail to confirm this collection is mine or valid. Due to this I have not & did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notification regarding the debt. Had I been reached out to, it would have been advised this collection is a result of Identity Theft which a formal complaint has been filed with the FTC, acknowledged by authorities and submitted to the credit bureaus. 

XXXX XXXX
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a43.ok open end consumer credit plan as late for ar purpose.
Product: Checking or savings account

Company ( Capital One ) gave little to no information regarding missed direct deposit even though issues allegedly were present since yesterday. No communication from the company itself regarding my direct deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 - A Fraudulent security alert was placed on my XXXX  Report, XXXX / XXXX. - A credit card For XXXX XXXX XXXX  was opened and I was never informed and Never Opened that credit account!! 

I didnt notice until I checked my XXXX  report that it was up there, but XXXX  removed it, Now I been dispute it was XXXX  but they no help and sent over all the info! 

THE QUESTIONS IS HOW THE ACCOUNT WAS OPENED IN THE 1ST PLACE WHEN A FRAUDULENT ALERT WAS PLACED ON MY REPORT?