23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

The company approved me for a loan of {$20000.00} and then proceeded to waste my time by claiming they couldn't verify my identity because I was unable to provide a utility bill at the address where my license says I reside. I gave them a driver 's license, social, and company vehicle registration ( I own the company ). 
I explained that I live with my friend. His parents own the land and the utilities are in his name. They took my information and then reset my application back to as if I had submitted zero documents. I am getting the run around from customer service like I'm not submitting documents properly. 
They " can't verify my identity '' but having a credit card and paying it off on time every time was okay for them.
Product: Mortgage

I got a loan through The Money Source in XXXX XXXX for a primary residence. In XXXX they sent me a letter stating that there was an escrow shortfall. I had to come up with another XXXX to cover the shortfall and even with this additional money my mortgage payments increased by ~ {$500.00}. In the meantime I was granted a 5 year property tax abatement by my township which effectively reduced my mortgage payments by ~35 %. I just received another letter from The Money Source stating that I had another escrow shortfall. They have now instructed me to pay another {$2400.00} and that my mortgage will increase, yet again, by another {$400.00}. I then went to the tax office in my township and requested a copy of the property taxes I paid last year. When I called the representative who handled my case back in XXXX, we went through the numbers and there is some mysterious amount of over {$7000.00} that is listed as an " actual '' payment that does not match up in any way with the document I received from the township. The statement The Money Source sent is very confusing and has " actual '' payments and disbursements listed. What 's the difference? Either they are guilty of gross negligence in calculating my property taxes not once, not twice, but three times ( because they also got it wrong prior to my closing ) or they are a predatory lender. The way the conversation ended was I was told that I had to pay the new mortgage amount, which now represents an ~ {$900.00} increase from the amount I was originally quoted I would have to pay, by XXXX XXXX. The statement I received is dated XXXX/XXXX/XXXX but I just received it today, XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has a discover credit card account reporting on my credit reports. Transunion is the only credit bureau with this negative account on my report hurting my score hindering me from taking advantage of credit line opportunities. According to the Fair Issac all information from all three credit bureaus must be accurate. Transunion Is the only bureau with this negative account this is a violation and the account needs to be deleted.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Goldman Sachs Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Goldman Sachs regarding a matter that has significantly impacted my financial standing. I appreciate your attention to this issue and seek your assistance in resolving the situation. 

On XX/XX/2023, I accepted the payment presented by Goldman Sachs, considering it as an implicit agreement to the terms presented. I have evidence that I sent a second notice to Goldman Sachs on XX/XX/2023 seeking clarification, resolution and an opportunity to cure this matter. On XX/XX/2023 I sent a notice of dishonor and estoppel which I have all three letters and return receipts proving that Goldman Sachs received my correspondence. Unfortunately, I have not received any response from Goldman Sachs, leading me to believe that they have accepted the terms outlined in my letter. 

Despite this tacit agreement, I am now facing adverse actions from Goldman Sachs, particularly in their attempt to negatively impact my credit score. I find this action to be unjust and in violation of the understanding I had assumed through the acceptance of their payment. 

At your request I will provide copies of the relevant documents, including my letters to Goldman Sachs and any correspondence I have received from them. I kindly request that you investigate this matter thoroughly and take appropriate action to remedy the situation. 

I trust that the Consumer Financial Protection Bureau will act diligently to ensure fair and just resolution in this case. Please keep me informed about the progress of your investigation and any steps taken to address my concerns. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for the violation of my rights under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). Despite providing Equifax with all necessary documentation, including the FTC identity theft affidavit, Police report, proof of identification, and proof of residency, Equifax has failed to comply with the statutory mandate to block fraudulent information from my credit report within the stipulated timeline. 

Once again, I am attaching all of the required documentation to this dispute to show that Equifax has everything they need, as per the law, to block these fraudulent accounts. 

The specific issues I am facing involve the presence of multiple fraudulent accounts that are causing significant distress and financial disruption. Despite my status as a victim of identity theft and having reported the incident to both the Federal Trade Commission ( FTC ) and the XXXX Police Department, Equifax has not taken the necessary steps to block these accounts from my credit report. 

Furthermore, I have requested Equifax to block all addresses not belonging to XXXX XXXX XXXX XXXX, # XXXX, XXXX XXXX, MD XXXX, from my credit report. I have also requested the removal of all aliases not limited to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and the elimination of employment information not associated with XXXX XXXX. Equifax 's failure to adhere to these directives exacerbates the inaccuracies and financial impact caused by the identity theft. 

I have previously communicated these concerns directly to Equifax, as detailed in the attached correspondence. Despite these efforts, the issue remains unresolved. 

I am seeking the intervention of the Consumer Financial Protection Bureau to ensure that Equifax complies with the law and takes immediate action to rectify these issues by blocking the fraudulent accounts, removing unauthorized addresses and aliases, and eliminating incorrect employment information from my credit report. 

I appreciate your prompt attention to this matter and request assistance in resolving this issue in accordance with the FCRA and consumer protection laws. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I opened a bank account with Ally bank. I asked for {$5000.00} to be transferred to the account. I waited for the test deposits and started funding my account on XX/XX/XXXX. I saw that my account balance was at {$0.00}, so I set up a {$5000.00} transfer and for $ XXXX recurring transfer. Today ( XXXX ) I got a phone call letting me know that I had accidentally set up XXXX transfers, and that they could not stop the second transfer on their end. They told me that there has been an ongoing problem with double transfers because you dont get a notice that the first transfer has been approved. I asked what theyre doing about it. The first person I spoke to, XXXX, said she didnt know. The second person I spoke to, XXXX, said theres nothing they can do. He said its been a problem for at least 10 years. I asked why they arent informing customers that this is an ongoing problem, he said that I wasnt the first person to suggest that and that he would pass it along. I wonder if they leave the problem in place to intentionally make customers transfer more funds
Product: Money transfer, virtual currency, or money service

Zelle fraud prohibition on unfair acts, or practices by failing to take timely, appropriate, and protective measures to prevent and detect limit and address fraud on the Zelle network the bank violated the electronic fried transfer act and is implementing regulations failing to conduct reasonable investigation notices of errors submitted by consumers regarding Zelle transactions and failing to property treat incorrect and unauthorized Zelle transfers as errors under the law
Product: Debt collection

After reviewing my credit report, I noticed several accounts I did not approve. Please ensure these fraudulent accounts are immediately removed and blocked.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 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/XXXX
Product: Debt collection

In XXXX and XX/XX/XXXX I'd called Tidewater Finance Company three times to inquire about information posted on my credit report. I'd provided them with my current address ( over 5 yrs here ) in order for them to send me paperwork. I'd sent back the competed documents. I have since written them five times, requesting that they validate the account in the amount of {$3600.00}. However, with my proof of address ( during the time of account opening ), police report and valid drivers license, that Id provided, they have altered the original address and creditor that was noted on the account. 
I've sent five letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) requesting that their office validate the above account by providing evidence that I have any legal obligation to pay. With each letter I have requested a list of validation documentation along with a copy of a signed contract, to no aval. I have received only a paper dated XX/XX/XXXX that is titled Payment History with blacked out details ( i.e. address, phone number, birth date ).
Product: Credit card

A company that I have an account with suffers a data breach, exposing my personal information such as my name, address, Social Security number, date of birth, and potentially even my financial information. 
I fell victim to a phishing attack where I inadvertently provide my personal information to a fraudster via a fake website or email. 
The fraudster collects my stolen information and decides to use it for fraudulent activities. They may create fake documents, like a driver 's license or utility bill, to appear more legitimate when applying for new accounts in my name. 
The fraudster applies for new credit cards using my name, Social Security number, and date of birth. They provide a different mailing address so that the credit cards are sent to them instead of me. Once the credit cards are issued, they begin making purchases and accruing debt in my name. Using my personal information, they open new bank accounts, which might be used to deposit and withdraw money or for money laundering purposes. They might also apply for personal loans, auto loans, or even mortgages using my information, leading to significant debt under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX  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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of this item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( 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: Debt collection

I have had a problem with this loan company from day one. The tellers did not fully understand the loans themselves and did not properly explain the loan. I brought this to the attention of the store manager and district manager and I was given a {$200.00} rebate towards my account that was suppose to erase any late fees and finance charges. I was told on XX/XX/XXXX that the loan would be on track with payments of {$160.00} every two weeks. I continued to make my next payment on XX/XX/XXXX in store of {$160.00}. On Wed XX/XX/XXXX they left a voicemail on my work phone and I called the store back and the teller couldn't tell me why my account was in collection and I told her to not call me at work and she stated she would note the account. I called back to speak with the manager XXXX on XX/XX/XXXX and she states that a payment was missed on XX/XX/XXXX, a payment in which the corporate office told me was not due bc I switched loans ( from monthly to biweekly ). On XX/XX/XXXX they drafted my account for the second time at a higher amount {$170.00}. On XX/XX/XXXX XXXX called me on my work phone and I stated to her that I asked that I not be called at work. 

Company : Easy Money XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Reason : I don't recognize this inquiry My social security number has been compromised from the social security breach that occured in XXXX access to the National Public Data Systems . 
Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if futher informationis required.
Product: Credit card

I been a couple of months I haven't paid Discover Credit Cards because I can't afford the payment because I am low-income and only work part-time with few amounts of hours to where can't pay them at this time. The credit card company has been harassing me by calling my phone, threatening me with letters, and even sending emails. I got a letter from Discover today XXXX XXXX I believe was two weeks ago from the date XX/XX/year>. Saying if I don't pay the full amount by XX/XX/XXXX they going to send it to the Attorney Referral.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number XXXX XXXX, TRANSUION AND XXXX continues to report INACCURATE and UNVERIFIED balance on my Credit File. ACCOUNT # XXXX -- -- -I DO NOT OWE THE CREDITOR THE AMOUNT YOU'RE REPORTING THIS IS FRAUD!!!! The BALANCE IS A COMPLETE FRAUD!!! UNJUSTIFIABLE, UNVERIFIABLE, UNQUANTIFIABLE, NO PROOF This account HAS NOT BEEN PAST DUE FOR XXXX months and the Balance is WRONG Account Number XXXX NEEDS TO BE DELETED from my Credit File BALANCE IS WRONG, DELETE FROM MY CREDIT FILE, ACCOUNT IS MORE THAN XXXX YEARS OLD YEARS AND THE STATUE OF LIMITATION HAS EXPIRED The balance on this account is WRONG and a COMPLETE FRAUD XXXX, TRANSUNION AND XXXX continues to VIOLATE the Fair Credit Reporting Act
Product: Credit card or prepaid card

Re : XXXX On XXXX XXXX, XXXX, I booked a round trip XXXX XXXX ticket from XXXX to XXXX using my XXXX XXXX XXXX XXXX rewards points. 

Trip ID : XXXX Flight Confirmation # XXXX Agency Reference # XXXX Upon arriving at the airport during the check-in process I was advised by XXXX no ticket or reservation was associated with the email confirmation number provided to me by XXXX XXXX XXXX. In order to travel on the flight I was required by XXXX to purchase a new ticket at check-in for the amount of {$770.00}. Unfortunately, the XXXX XXXX XXXX XXXX failed in its fundamental service of arranging travel for a very important trip. Travel rewards are a central part of the XXXX XXXX XXXX benefits and the main reason I signed up for the card. I was forced to pay out of pocket {$770.00} and go through an extremely stressful event in almost missing an international flight because of the error. I also never received reimbursement for the reward points I used to book the original flight. 

I am further disappointed because, upon contacting Chase customer service and sending the XXXX receipt on XXXX XXXX, XXXX, I was promised by XXXX XXXX XXXX that I would receive a check reimbursement for {$770.00} via mail within 14-20 business days. Nearly 50 business days have past and unfortunately I still have not received reimbursement for the error. 

I originally reported the error over the phone on XXXX XXXX. I followed up via phone on XXXX XXXX and complied with the request to send an email receipt from XXXX. I followed up again with Chase in writing via the secure online emails system on XXXX XXXX. I followed again via phone in the middle part of XXXX and again on the XXXX of XXXX. On the XXXX of XXXX I explained I would be filing a formal complaint if I did not receive reimbursement. Again, for the 4th time, I was promised a check in the mail. On XXXX XXXX I followed again with Chase in writing explaining the situation and asking for written confirmation of when I would be receiving the check. I received no response from the travel rewards department to my request.
Product: Debt collection

Reporting as open and late payments. This account was charge off by original creditor. This violates FDCPA 15 USC 1692 XXXX ( 2 ) a, ( 8 ), ( 10 ) and 1692f. by using deceptive reporting to attempt to collect a debt and negative influence creditors that are looking at my credit. I already file a dispute with all XXXX major credit bureau. 
The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I use to have people send me money on Zelle or they would send it to me never gave me no option money never went to my account it never showed who it went to its like it never existed
Product: Mortgage

REquest a new signle point of contact as soon as possible.

Rushmore continue give us a lazy, careless, unprofessional single point of contact ( SPOC ) for my account, I think Rushmore just want to foreclosure my property and make more money than want to help me, most SPOC Rushmore assign to my loan they did not do their job, they make it hard for everything, when I submit the loan mod they have many reasons not review them or they said that missing doccuments, Rushmore people think that thay above the law, whatever they treat borrowers the GovermentS, Authority Agencies, the Federal Deposit Insurance Corporation ( FDIC ), the Comptroller of the Currency ( OCC ), the Federal Reserve System ( FRS ), the National Credit Union Administration ( NCUA ) the Office of Thrift Supervision ( OTS ), will not know, View all links
customers talk about them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now they have another SPOC his name is XXXX XXXX, his office in California his phone number is XXXX, he said that my last payment is XX/XX/2016, Rushmore did not receive any payment from me from XX/XX/2016. That is not true, here are attached payments until it overdrawn when Rushmore increase payment from {$2900.00} to {$11000.00}. Moreover XXXX XXXX refuse to talk to my representative XXXX, even he did not know what he's talking about " he said that my last payment is XX/XX/2016, Rushmore did not receive any payment from me from XX/XX/2016 ''. Rushmore recorded the conversation, please review it for yourself. I am extremely disappointed and I do not know how to deal with Rushmore, they do not want to help the borrowers. 
I really need a new SPOC, I can not work with XXXX XXXX. Please help!!
Product: Checking or savings account

I went to Wells Fargo XXXX XXXX XXXX XXXX XX/XX/XXXX and met with Wells Fargo employee XXXX XXXX who has processed wires to the recipient ( XXXX XXXX XXXX XXXX ) numerous times for my business XXXX XXXX and XXXX XXXX since XXXX. 
I presented valid Texas state identification in form of drivers license. XXXX processed the transfer and money ( {$140000.00} USD ) was removed from my business checking account. XX/XX/XXXX at approximately XXXX an unidentified Wells Fargo representative called me from a number I didn't reconize and stated he is a compliance XXXX for Wells Fargo and that the transfer will NOT be sent until I provide personal details and information on why I am sending the money. I informed the supposedly representative I do not know him and will NOT be providing anything. The next morning I contacted Wells Fargo XXXX XXXX XXXX XXXX XXXX and informed him what happened. He after contacting Wells Fargo Compliance stated they will not release MY money until they know if I own XXXX XXXX XXXX USA XXXX XXXX XXXX ), why I am sending the money and what I am purchasing with the money. I told XXXX it is my money and there is no law that restricts me spending it on anything and it is no ones bueiness what I am buying. And they Wells Fargo can lookup who owns XXXX XXXX. 
Meanwhile my money has been removed from my account and my vendor has NOT been paid.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed 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 1002.142 ( b ) ( 4 ) -51002.142 ( 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 human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX INQUIRIES : 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 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/XXXX
Product: Credit reporting or other personal consumer reports

Ive attached proof below of items that must be removed or thoroughly investigated in verifying