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

On XX/XX/XXXX I opened claim with my bank about unauthorized endorsement or alteration to the check. I wrote a check on XX/XX/XXXX to XXXXXXXX XXXX XXXX XXXX  for the amount of {$1900.00}, end of the XXXX the check was cashed out to different payee and different amount ( {$9900.00} ) End of XXXX I travel out of the country with my kids and I returned middle of the XXXX. My billing cycle was about XX/XX/XXXX. I did not see this transaction until I came back home, I got notice from XXXX XXXX. that my bill is unpaid. I contacted my bank twice a week or so, everybody was telling me that can't say anything, I will get my money back soon. On XX/XX/XXXX, I called again and one of agent I spoke to (. hard to remember their names ) told me that my case is closed and I will not get my money back, this lady was very unpleasant, I asked her what can I do more, she said " you have no more options ''. I said thank you and disconnected phone call. I called again in few hours to ask for the reason of denying my claim, I and my husband spoke to another lady - she told us that we did not fit in the time frame - she told us that we supposed to reported it to the bank in 65 days from billing cycle, so I counted and told her that we fit, she was speechless for 30 seconds and disconnected the call and never call me back, so I called again ( this time I recorded all conversation ) I spoke to somebody who wasn't sure about how many days I had to reported the scam but he said something about 30-35 days, I asked for superviser, on the beginning he did not want to connect me to, but after couple time we asked for manager he transfer us. We spoke with manager / vice manager, he wasn't sure too what is the time frame for reporting this, I found that each bank can but doesn't have to do anything. If I wanted to open account I was told that bank has insurance and I do not have to worry about my money. Now bank deposited check that was visibly altered. I reported everything to XXXX, I spoke to Detective who said that check should never be deposited. Bank has no responsibility for depositing/ cashing " bad check ", but seeing alterations on big check bank should contact me or just block transactions. Now I lost a lot of money, and people in banks don't do anything. Bank even didn't want to tell me where my check was deposited.
Product: Credit card or prepaid card

I had a XXXX  XXXX XXXX XXXX credit card with rewards. My reward total was XXXX points when XXXX credit card took over the XXXX cards from XXXX  XXXX XXXX in XX/XX/2022. In the information about the new card, member rewards were to transfer to XXXX. The points are worth {$2400.00} in cash. I have attached the last statement from XXXX XXXX XXXX, and the first statement from XXXX. My reward points were missing from XXXX. I called customer service 3 times. The first time I was told my name would be added to a list of people whose points were missing, and I would be contacted since it was a problem they were working on. I asked to speak with a XXXX, and the representative on the phone refused to connect me with a XXXX. I have not been contacted. On my additional phone calls, both times I was told I only had {$9.00} in reward points. The XXXX reward points vanished along with my {$2400.00}. The last 2 customer service agents I spoke with had no interest in discussing the problem, was told I only had {$9.00} in rewards. Nice theft of reward points equaling {$2400.00}.
Product: Mortgage

In XXXX XXXX, we submitted our 1st hardship package to Roundpoint Mortgage as we had fell behind 1 mth. They continually lost paperwork, never called, or sent out letters ; unless I contacted them first. During the process, we were repeatedly told us that it was approved, and docs were being processed and would be mailed out. Later we find out we were denied, 1st letter stated that our only option was short sale or deed in lieu, as income was insufficient for other options. When I called to find out why, I was told to reapply. So, yet again, I submitted package. As this was in review, I spoke several time to loss mitigation and was told that, payment would not be accepted and they even went as far as locking us from our online account. During this review, we were informed by XXXX XXXX XXXX that they had submitted the home to foreclosure ... ... DUAL TRACKING ... .while we were in review for loss mitigation. 
Once I involved the VA, things appeared to be moving along. Then they continued with needing additional paperwork, which was submitted and EVERYONE giving me different answers, as our Point of Contact was never available. Finally, when we did receive our modification, it was {$30.00} less than our regular payment and that was due to a decrease by XXXX interest and taxes. Which, we took as we had no other alternatives. I was told that after modification was complete, credit would be rectified, as " missed '' payments were added to the end of the loan. After we submitted all the notarized paperwork in XXXX XXXX, I was informed that to this day we are still in active mitigation. I asked why and NO ONE can explain it. Due to their delays, we had to have a Monitored Disbursement on a Homeowners Insurance Claim and the Contractor was furious due to being told 1 thing and someone else saying otherwise. Credit has NOT been rectified as stated and we are still sitting in Active Mitigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted XXXX ) XXXX XXXX dated XX/XX/XXXX XXXX ) XXXX dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted XXXX ) Capital One dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX dated XX/XX/XXXX XXXX ) XXXX XXXX dated XX/XX/XXXXXXXX XXXX
Product: Mortgage

On XX/XX/21 FREEDOM MORTGAGE CORPORATION applied for a mortgage refinance on my behalf but without my consent. I had no contact with the company prior to this time. The application was submitted in my name with my address and social security number, along with a co-applicant whom I do not know. Co-applicant was listed at my same address. I contacted FREEDOM MORTGAGE CORPORATION on XX/XX/21 and XX/XX/21 but have not received resolution on the matter as they are unable to tell me how this application was submitted and have not corrected the inquiry with the credit bureaus.
Product: Mortgage

I have had a mortgage with Wells Fargo for the past seven years, and am in the process of refinancing the mortgage with a different lender. In the process, the title company discovered that Wells Fargo had fraudulently recorded an " open end mortgage '' with deed transfer 3-4 months after the first mortgage was recorded. I never initiated nor authorized this. XXXX  XXXX XXXX and I've contacted Wells Fargo regarding this and requested they correct this so that I can proceed with my refinance. Wells Fargo denies that there is or ever was an open end mortgage, and yet they insist on " researching '' this, thus stalling my attempts at refinancing, and impacting my credit. I would like this remedied as soon as possible. Your assistance is greatly appreciated.
Product: Debt collection

My Bill is paid they cashed the check I asked them to stop harassing me. I am hoping you can stop this Constance harassment, from XXXX XXXX Collection Bureau of America . 
Last year I attempted to pay some bills that was on my credit report. I sent out several Satisfaction of Accord letters to creditors on my credit report. Two other companies accepted my offer, and one was returned. 
The first letter was to let to the creditors know that I would be sending them a payment within 15 days to settle an account on my credit report. If they rejected to let me know and, if they do not reject to expect a payment. 
Around the 15th day I sent them a " Satisfaction of Accord '' stating in the letter and on front and back of the XXXX also, in the memo section that if they cash this XXXX they are agreeing to the terms in the Satisfaction of Accord. Instead of XXXX returning the XXXX they cashed it with full knowledge of its purpose. And they continued to pursue me for the money. Copy attached of XXXX. 
I sent a letter to all three credit Bureau letting them know that this bill was paid with a Satisfaction of Accord alone with copies of the two letters and the XXXX, but they still allowed it to stay on my credit report. 
Please help me stop this Constance harassment and embracement that they are doing to me. I set up a payment arrangement and they accepted it and still coming after me for money.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Product: Debt collection

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$59000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX was placed on a two month Covid-19 assistance program in which the minimum payment due was reset to {$0.00} for XX/XX/2020 and XX/XX/2020 The account was also known as card member services was paid in full on XXXX XX/XX/2020 given the minute balance due This was reported as 90-120 days past due then 90 now 60 but remarks state 90-120 It was never late this account is 8 years old with zero late pays. Proof of call logs showing when it was set during XX/XX/2020 and payment have been submitted via mail, email and certified mail inclusive of social license and deed with zero correction
Product: Credit card or prepaid card

hi, on XX/XX/2021 i purchased a XXXX XXXX ( as pictured on the website. with these specifications ) for full price of {$490.00}. with my CHASE FREEDOM CARD. XXXX XX/XX/XXXX i got the stroller and realized right away it was a fraudulent XXXX copy. ( worth 200 $ ) it didn't say anywhere XXXX. i right away replied to the confirmation email i received that i want to return it. but no response. i tried calling but no answer. basically this website is a fraud. and unfortunately i only realized after. so many ppl put bad reviews. i called chase the same day to dispute the charge. i was told not to return it till we hear back from the company. at this point the website is closed and company isn't reachable. chase kept closing the dispute saying that their merchant verified the charge ( duh, obviously ) cuz i purchased it. but they are not helping me out with this claim. i have no where to return it, i don't need it. i purchased a real version on XXXX. these XXXX copies are junk and break on you. ( hearing from ppls experiences ) i asked chase if they have the companies info, they don't. they keep closing the dispute, i am very frustrated and hope you can help me. also on the box is a invoice from XXXX XXXX in XXXX XXXX for {$200.00}. so basically they stole my money and sent a XXXX item i cudve purchased myself on XXXX XXXX. there is no info on the " XXXX company called XXXX ''
Product: Student loan

On XXXX, XXXX, 2022 I received a letter from Nelnet concerning student loan XXXX. I have been in an income driven repayment plan with Nelnet for years. When asked to recertify on this loan, I was declined. Several reasons were given, several are which not true. Nelnet has stated that I defaulted in this loan. This is not true. My payments have consistently been on time. I have always been able to have a payment based on my income. Now they are refusing to provide assistance concerning this particular loan number.
Product: Credit reporting or other personal consumer reports

I requested that the bankruptcy be investigated for numerous inaccuracies with no response a settlement payout received over XXXX there shouldn't have been a bankrupt after payout received.
Product: Credit reporting, credit repair services, or other personal consumer reports

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Debt collection

I'm not sure what all is going on but my identity has been compromised. I have already gone to the bureaus and others to resolve this. This is not my debt. Sorry for the inconvenience. You guys are stating that I opened an account in XXXX of 2019 ... Please mail me all the original documents showing I received services from you since XXXX of 2019.
Product: Debt collection

Midland Credit Management is reporting a more than 4 year old account that has never been validated, is past the statute of limitations, was charged off by the creditor and taken as profit and loss account by the original creditor. The original account was for XXXX XXXX Midland Credit Management is employing unethical tactics such as re-aging the account. This should be shown as a charge off. They show monthly late payments over 90 days each and every month to make the account look currently late each month which is only an attempt to do the most harm to my credit. It is purposely inaccurate and is a misrepresentation ( XXXX  v. CXXXX XXXX XXXX XXXX v. XXXX, 775 F. Supp. 502, 505 ( D. Conn. 1990 ). I have contacted XXXX requesting validation, and informed them of their errors but they ignored my requests and my disputes. They made no attempt to validate, correct or stop during a dispute period. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX with late payments made every single month since XX/XX/XXXX when no payments have ever been made. There actions violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX  vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre, and FDCPA Section 806. FCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743
Product: Debt collection

This man was talking over me and I was asking for general information about the debt that he is trying to collect. XXXX XXXX from ProCollect
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, my business partner received a text that said " <BofA> Did you attempt a {$5000.00} XXXX transfer? Reply YES/NO/HELP '' and he responded yes. After that he received a call from a XXXX # that matched the Bank of America 's customer service phone number. The caller told my partner that our checking account has been compromised, and that in order to confirm our account and to reverse the fraudulent charge, my partner had to make a XXXX transfer of {$5000.00}. He did so before catching on that it was a scam. We contacted Bank of America as soon as we could and reported the fraud. However, the bank claims that there is nothing they can do because my partner " authorized '' the transfer, even thought it was under false pretenses.
Product: Debt collection

XX/XX/year> Report it falsely on my credit file XXXX
Product: Checking or savings account

On XX/XX/XXXX, I opened two 18-month CDs and two 12-month CDs at American Express National Bank XXXX When the CDs respectively matured, I asked the bank to transfer the full balance to my savings account. I realized that the way they calculated the interest means that they owed me one day of interest. 

I contacted them repeatedly via phone in the subsequent weeks but they did not resolve this issue. They sent me a letter via mail in XX/XX/XXXX that indicated the daily interest calculations for my CDs. In this record, it clearly shows that the bank did NOT pay me interest on the last day of my CD. After seeing this letter, I called them again and they still refused to rectify this. 

I am so disappointed in this bank that I transferred all of my accounts away from American Express National Bank. Given this, the customer service representatives were even more unresponsive to my requests to correct this interest miscalculation.