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

I'm a victim of job scam with check fraud. XXXX XXXXXXXX posed as an online interview XXXX and offered me remote jobs and he mailed me a phony check of {$4800.00} to buy working supplies. On XX/XX/2023, while I received this check, I went to local bank branch to verify it, but no one helped me or gave me any advice that just tell me that you should wait for 14 days for check to be really clear in case check fraud. I was left helpless, uncertain on this check. I called bank 's costumer service for help, and they said this check looked nothing wrong based on their experience so that I was gave a false sense of security that this check was secured on my account at the time. And that's the main reason why I was conned into sending money to scammer next day. 
On XX/XX/2023, I called fraud department of Bank of America to make a claim for XXXX transfer of {$3500.00} right away as soon as I realized it was fraudulent transaction. I spoke to XXXX, the first representative, she told me my lost funds will be recovered but it takes for 10 days or up to 60-90 days to process and got my XXXX claim number is XXXX XXXX. During the process of XXXX claim, I kept track on its status and faxed police report, FBI report, counterfeit checks, XXXX report, FTC report, AGO consumer complaint and screenshots of chat records with fraudster that showed how he manipulated and exploited me into sending money that serve as the evidence of scam and check fraud to fraud claim department. However, Bank told me that they did not need any supporting documents on XXXX claim and they only investigated whether the transfer was authorized and not based on the circumstances of I was defrauded. On XX/XX/2023, I received notice stating that " We've completed our review of your claim. Our records indicate that we completed the transfer according to the instructions you provided us, and therefore no error occurred. Based on this, your account won't be credited. '' After Bank 's failure of the second attempt to recall my lost funds, Bank sent the final response to XXXX claim on XX/XX/2023, it stated that my lost funds were unsuccessful recovered because transactions posted on my account were valid and no errors occurred, so they suggested me to contact recipient to try to get my money back. This final resolution was totally unreasonable and unrealistic. How come a XXXX XXXXXXXX would return the stolen money to victim. Obviously, Bank did not properly handle XXXX scam and fraud and did not came up with a reasonable and acceptable final solution.
Product: Debt collection

On XX/XX/24 I paid my Infinite energy account of {$90.00} in full. After making payment I was informed that the paid in full letter could not and would not be provided to me any sooner than 3 business days and could not and would not be provided to me by any means other than mail or fax. I did not and have not received verification of the payment to date. I have called multiple times to speak with a supervisor and they never come to the phone to address my issue. I have called a total of three times today and each time I believe the supervisor refuses to speak to me. This proof is vital to my survival at this point because it is holding me up from getting a place to stay! I have expressed this with the company over and over again and all they keep telling me is they can't provide me with the proof of payment in full. They claim to expedite the request but I have not received any communication. The agents are giving me different time frames ranging from 1-10 business days. The supervisor was supposed to call me back, but hasn't I guess they do not care. I just want answers on when I should truly expect my proof. At this point, they are refusing to provide me with proof of my payment in full and I have a right to have that.
Product: Mortgage

XXXX XXXX NMLS ID XXXX Producing Sales Manager | Apply Now! 
D : ( XXXX ) XXXX | M : ( XXXX ) XXXX F : ( XXXX ) XXXX E : XXXX Visit My Website : XXXX XXXXXXXX XXXX XXXX by Sun West Mortgage Company , Inc. NMLS XXXX Branch NMLS ID XXXX | XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX This lady listed above was my daughters loan officer. The experience of closing her loan with XXXX was horrible. They were supposed to close on XX/XX/2020. XXXX still hadn't got the income verification form done. She kept saying that the form was filled out wrong and it didn't match the check stubs. So, while my daughter was on the phone with XXXX at my house talking about this form and how to fill it out correctly, XXXX was yelling at her and threatening to cancel the loan. XXXX was yelling at my daughter. I asked XXXX a question and she hung up on us. She then called us back demanding an apology for hanging up. Ummm my daughters phone was laying on the table with XXXX on speaker phone. She was very unprofessional. I would will not send anyone to Sunwest or to XXXX XXXX. For her to yell and threaten us to cancel the loan because we asked questions is CRAZY! and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I pulled my credit report from the three credit bureaus. I noticed a few discrepancies : my name variation is incorrect, my employer is also showing incorrectly, and there's an account from XXXX in which there are discrepancies showing on all three credit reports. I have tried to contact all companies and kept getting bounced around agents, so this is the best method that I can use. 

When it comes to incorrect information, two of the three need my naming convention fixed and also need my current employer added onto the reports. All three are reporting XXXX differently and it's troubling. 

From the XXXX portion : XXXX- is showing the account is closed on XXXX XXXXXXXX XXXX  Also, it's showing a late payment in XXXX and XXXX of XXXX XXXXhe XXXX balance shows as {$240.00} and sixty days past due. Says the past due amount is {$61.00}. Look within the XXXX grid at past due, and you'll see it says {$0.00}, but somehow XXXX equates to sixty days. Also, if you review the XXXX report, you'll see all the payments there ( and if need be I'll send screenshots too ). // XXXX- It shows a late payment on XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. If the account was paid and closed on XXXX of XXXX, then how can it be late on XXXX? It even states the status was updated in XXXX, but how can that be if the account was closed in XXXX? Also, the late payment months are inconsistent with XXXX XXXX Equifax. Even the balance histories vs. the calendar doesn't match up correctly. The balances between XXXX vs. XXXX alone doesn't match up. The XXXX balance is showing as {$240.00} and 30 days past due. // Equifax XXXX Now looking at Equifax XXXX XXXX shows good standing, which is different from the other XXXX. Also, it's showing late for XXXX, XXXX, XXXX, and XXXX. It also shows date of last payment as " XXXX XXXX, XXXX ''. Also the date closed is " XXXX XXXX, XXXX ''. Going back to XXXX, how could I be late in XXXX, if the last payment was in XXXX XXXX, XXXX? It even states Date of First Deliquency is " XX/XX/XXXX '' ; however, it's in good standing on the other XXXX reports? The XXXX balance shows as {$220.00} and 30 days past due. Also, in the " XXXX XXXX XXXX '' grid, there's nothing that shows in how much was past due. If you also notice, there's a comment that states " not_more_than_three_payments_past_due '' in account status, but if you look within the calendar grid, four months are showing. // B/c of these errors and violations, I have no choice but to attach all three of my credit reports to show the inaccuracies. I will also respond to a fair resolution within the appropriate section in detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX   Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges filed ftc 60 days ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of ID theft and XXXX  blocked the fraudulent trade lines as required, BUT two of the items are now being reported under a different name. someone opened a XXXX   account and also tried to rent an apartment under my name. if u noticed my previous complaint you will see the blocked company " XXXX XXXX '' tried to collect for XXXX   and now " performance management '' is trying to collect for the same blocked account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputed regarding inaccuracies, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a throughout investigation. this practice violates the fair credit reporting Act ( FCRA0, 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C.5536 ( a ) ( 1 ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No.2025-CFPB 002 ) against them for similar violation. I request the the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation
Product: Mortgage

XX/XX/XXXX I received a notice from Chase that my escrow balance was short {$530.00}. They gave XXXX options of how to pay it. XXXX was to do nothing and my new mortgage payment would be {$1100.00} So I paid {$1100.00}. What I failed to notice was that the new payment did not start until XX/XX/XXXX. After lots of time on the phone with Chase, we discovered that they applied my XXXX mortgage payment of {$1100.00} to my escrow shortage and did not give me credit for my XXXX payment. They are saying now that I am behind on my payments and I owe! 0 months of late fees. I have made every payment and I have made them on time. In XX/XX/XXXX my mortgage payment was {$1100.00} so they would not credit my mortgage payment because they said it was short.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX has violated my rights. 

I was looking at my Equifax credit report and noticed inaccuracies. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX account no XXXX XXXX XXXX XXXXXXXX Account No : XXXX XXXX XXXX XXXX XXXX Account no : XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I was sold a predatory pay Option Arm Loan that I did not fully understand. I made my payment and the principal balance kept getting larger. Then the loan adjusted I could no longer afford the payment. I called my bank and all they said was to short sale or to do a deed in lieu of foreclosure. 
When I submitted a loan mod request I was given the run around then several months later only to be denied. 
I sought out legal counsel, only then to be told that I was given a trial payment plan with on other detail out than a payment amount and told we can not tell anything until all the trail payment are made, only then we will tell you what the final terms are. 
When I received the final terms I called XXXX and was told that this is what the Investor in willing to do. 
This is a continuation of their predatory lending behavior. Constructioning a modification over a XXXX year PERIOD still leaves a balloon payment of {$230000.00} after receiving $ ,XXXXWorkout OptionForgivenPrincipalForboNewTermNewPROPERTY 'S CURRENT MARKET VALUE : The Supplied Current Market Value Estimate for the subject property, provided by the Home Owner, Real Estate Agent, Appraiser or Financial Institution is {$420000.00}. Based only on this valuation and the supplied Current Unpaid PrincipalBalance of {$680000.00} the amount of equity estimated to be in the home is ( {$260000.00} ). ( This is not taking into account anyother subordinate financing. ) This qualify for a HAMP TIER 2 PAR
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries, incorrect name spellings, addresses, employers on my credit report. I have been sending letter after letter for over XXXX year with no help or progress. Recently XXXX responded to me and stated that no company needs permission to run my credit. Please help
Product: Mortgage

My mortgage was paid off on XX/XX/XXXX with Chase. XXXX, my insurance provider, sent Chase my premium refund on XXXX. Chase lost it and did not make me aware that it was received and lost until XX/XX/XXXX. I am continually being told that they are, researching the oversight and i will get a call back. To date, I have received no calls from them and i am calling them for updates on my {$1300.00} missing funds. As a customer, if my payment was missing, they would charge me a fee and demand payment. But they can lose money due to me and there is no urgency, no accountability, follow up, or anything for me! All i get is, we dont know where it is, we saw we got it. We are still locating it! I want my money!
Product: Credit reporting or other personal consumer reports

All and any accounts 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 an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Money transfer, virtual currency, or money service

Northern Trust Bank incorrectly desposited a trust into my XXXX IRA and is unwilling to help remedy the problem. 

Approximately 1 year ago ( XX/XX/XXXX ), I received shares from a XXXX in the amount of approximately {$500000.00}. I was contacted by Northern Trust Bank ( NTB ) to process the transfer. I was asked if I had an account elsewhere without specification for type. I provided the account number for a XXXX XXXX Account- which was a XXXX IRA. NTB then deposited the shares into that XXXX IRA. I had no knowledge that I needed to create a different account type or that something incorrect occurred. 

Fast forward to XX/XX/XXXX, I went into XXXX to begin the process to speak with a financial planner to start learning what to do with the funds. I was informed at that time that the money was incorrectly send to the XXXX IRA and it needed to be fixed. 

I contacted NTB to ask for support. Despite many attempts and many emails/calls to different people at NTB, they refused to help. In one email the response was, " Please work with your company to get this matter resolve as your mistake has nothing to do with Northern Trust ''. 
I disagree that it has nothing to do with NTB and that it was my mistake. NTB was a fiduciary advisor to the trusts and I believe, if they were working directly with me to make sure the funds were distributed correctly, which is their responsibility and for which they have expertise, they should have explained exactly which type of account I should open, they should have verified the account information to see that the one I provided was a XXXX and then provided instruction on next steps. If they would have directed me to open a brokerage account, I would have done so. 

XXXX have been going above and beyond to try to help remedy the situation. In an attempt to fix the error, XXXX attempted to return the funds to NTB to again receive them into the appropriate accounts. NTB declined some, but accepted some. Currently, there are approximately 600 shares in a " holding account '' that I can not access and that no one can seem to find, and the remainder are still in my XXXX IRA. 

I have spent countless hours on the phone with XXXX and XXXX ( where the holding account lives ) in an effort to get the approximately 600 shares back. I have been unsuccessful to date.

I would like to understand why NTB did not verify the account details to ensure the shares were going to an acceptable place, why they did not specify the account type needed, and why they are not willing to help remedy the situation when it was their fiduciary duty to ensure the funds were transferred correctly.
Product: Credit reporting

THIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Therefore, I would like to request an arbitration hearing to resolve this issue. As per, " The Fair Debt Collection Practices Act : The Consumer Protection Act was amended in XX/XX/XXXX to include the Fair Debt Collection Practices Act ( Public Law 104-208, 110 Stat. 3009 [ XX/XX/XXXX ] ). Congress passed the law to address the abusive, deceptive, and unfair debt collection practices used by many debt collectors. " In response to CORRESPONDENCE RECEIVED FROM : XXXX : Dated : XX/XX/XXXX ( Enclosed ) First and far most, I would like to certainly make one thing perfectly clear. This is a request for Validation of Inaccurate / and erroneous or fraudulent charges. Upon your review of my credit reports, from ( XXXX/XXXX/ TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting that I owe both creditors a debt. I am in dispute of this inaccurate billing error, AND that I would like to get this inaccurate erroneous /or fraudulent account issue resolved immediately. I never had a XXXX with XXXX XXXX XXXX. Technically, there is apparently a Contract Billing error, and /or fraudulent billing practices. This Fair Credit Report Act Violation has impacted every aspect of XXXX XXXX consumer rights in the marketplace. It is evident that this company is engaged in illegal billing tactics. How can a company could be allowed to do this. Consumer rights and consumer protection law provides a way for individuals to fight back against abusive business practices. These laws are designed to hold sellers of goods and services accountable when they seek to profit by taking advantage of a consumer 's lack of information or bargaining power. Some conduct addressed by consumer rights laws is simply unfair, while other conduct can be described as outright fraud. Consumer rights laws exist at the federal and state level. They are enforced by government agencies, offices of attorneys general, and through individual and class action lawsuits filed by victims. 
Clearly, this inaccurate account contains Illegal billing practices/ as well as hidden fees, and unauthorized charges. Creditors charging consumers twice for the same service or product are unacceptable. I have yet to receive a detailed summary of the DEMINISHED INACCURATE ACCOUNT. Consumer rights laws also protect the public from false or misleading advertising. For example, automobile dealers have been known to advertise a vehicle at a reduced price in order to draw shoppers to the dealership. Once they arrive, however, that vehicle or sales price is no longer available. The dealer will then pressure shoppers into purchasing a vehicle on less favorable terms. In addition to these " bait and switch '' advertising tactics, consumer rights laws address things like warranty misrepresentation, defective products, forced arbitration clauses, identity theft, and other types of harassment and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that XXXX XXXX provided to Experian and XXXX. I have circled the items I dispute on the attached copy of the credit report I received. 

This XXXX XXXX account opened XX/XX/ 2017 is inaccurate because Its not in collections, it has a XXXX balance and has not been active in quite some time. This needs to be removed from collections section on my credit report. 

I am requesting that XXXX XXXX have the inaccurate information removed from the my credit report. Enclosed are copies of of my credit report with the account in question supporting my position. 

Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item as soon as possible.
Product: Money transfer, virtual currency, or money service

On XXXX, my cousin tried to send me {$90.00} via XXXX to my Navy Federal Credit Union checking account. One charge was for {$1.00} and the other charge was for {$90.00}. She banks with XXXX. My cousin XXXX account was hacked around the time she sent the XXXX, so she reported certain charges on her bank account as fraud. Her bank unfortunately reported her XXXX transfer to my account as fraud, and XXXX XXXX put a level XXXX restriction on all my accounts, including my credit card account. This is unfair to me because I have been a customer with XXXX XXXX  for over 16 years. XXXX even had her bank send a letter saying that they made a mistake by including the transfer as one of the fraudulent charges. I submitted an appeal to XXXX XXXX  with no luck. This is unfair.
Product: Student loan

With Nelnet as the student loan provider, an autopayment of {$260.00} was set up to occur on the XXXX of every month. However on XX/XX/2024 Nelnet double charged the bank account for XXXX payments of {$260.00} and does not show a second payment on their website. The bare minimum customer service provided was uninterested and unhelpful, with what they called a " refund '' taking nearly XXXX weeks. It is not a refund as there was no approved transaction, I am simply wanting my funds that they have stolen back. This has inflicted financial and emotional distress by taking out a much needed {$260.00}.