23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company is Freedom Mortage, XXXX XXXX XXXX, XXXX XXXX, FL XXXX United States On roughly XX/XX/2024, I paid for my mortgage online at my mortgage company 's proprietary website, myfreedom.freedommortgage.com. 

Several days later, I noticed I had been double charged for my payment. Two payments for the exact same amount were withdrawn from my checking account on the same day. 

The double charge was devastating for my family. After our Freedom Mortgage withdrew the double payment, we could not afford to pay for groceries. I called the mortgage company and my bank. The mortgage company started a four-day reversal process. 

On about XX/XX/XXXX, Freedom Mortgage returned both payments to my checking account for my XXXX mortgage amount. I called Freedom Mortgage to confirm this, and they told me that I had to make a payment for XXXX because they had returned both payments. I went online to make my payment again On XX/XX/XXXX, I found out I had been double-charged for the second time this month. I called Freedom Mortgage to resolve this issue again, and they have no mitigation for the recurring issue, they told me that I simply paid twice for my mortgage.
Product: Money transfer, virtual currency, or money service

I subscribed to the job platform called XXXX XXXX to find a job. I was contacted by email ( XXXX ) by a person named XXXX XXXX and said that my data was transferred to them from the careerbuilder website and that I was suitable for the position their offered. They had all my personal information that was in my submitted resume. He gave me a link to download XXXX Team and contact with HR XXXX XXXX who was supposed to give me information about work and interview. 

I did everything as they said. Then the HR sent me a couple of information via Team and a couple of tasks that I had to do. When everything was done, I was hired as a Data entry Clerk. HR said that they would send me all the necessary equipment and conduct 2 weeks of trainings. 

Then the HR sent me a check for {$800.00} per Email and told me to print it out and make a deposit to my account, which I did. Then they told me to transfer {$750.00} from this money to some company that should send me the equipment. {$50.00} was told me is a sight up bonus. When the money came to my account and everything seemed fine to me, only after that I transferred {$750.00} via XXXX, using the following data : XXXX XXXX ( XXXX ). 

Then HR said that there was not enough money for equipment and shipment and that they would send me another check in the amount of {$750.00}, which I also needed to transfer to the equipment supplier. 

I performed the same procedure as with the first check and only when the money came to my account, I led it to the recipient, but this time the recipient 's data was different. ( XXXX, XXXX XXXX ). When the money from the check became available, I transferred vie XXXX {$700.00} to this recipient. But the money was not transferred immediately, it was under a Bank review. Then the HR said that it was necessary to call the bank and say that I know who I would transfer and ask to allow the transaction. I did it and at the same time explained to the bank why I transfer the money. 

When the procedure was successful, I saw that my savings in the amount of XXXX were also missing from my account and I owed the bank {$290.00} and I realized that I was a victim of fraud. 

I immediately called the Bank of America and reported the fraud and answered a number of questions that I was asked. A bank employee said that the checks were fake, but it was strange how fake checks were accepted by the bank and money was credited to my account. 

At the moment, the issuing bank has sent a return to my bank for the Retune Item chargeback in the amount of XXXX. Bank of America said they would try to solve this problem, but after a few weeks of waiting, they sent me a letter stating that the bank had come to the conclusion that everything was done correctly on their part and the account would not be credited. In other words, for the action of a fraudster, I have to pay the debt myself. I think this is definitely unacceptable and unfair. 
In the hope of justice, I appeal to you. 

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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Incorrect Reporting Date : The payment reported as late for XX/XX/XXXX and XX/XX/XXXX was made within the grace period and should not have been reported as 60 days late. 
Clerical Error : There appears to have been a clerical error where the payment was misapplied or not recorded accurately by XXXX XXXX. 

I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payments were made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

National recovery agency said I owed a hospital bill for XXXX XXXX hospital back XX/XX/XXXX I told them I have medicare and I always pay my cop pay l dont use they also had my wrong address and zip code for me and told me to call hospital they said to call hospital billing which I did they said that was XX/XX/XXXX and that I came buy ambulance I told billing department no I was admitted on that date but I went to XXXX XXXX XXXX on that date and they had wrong address on file I told them I dont use there hospital cause they have a one star rating they said they take care of it offered me a lower price as I stated to them it was not me the collection agency also had wrong billing information
Product: Credit card

I started a XXXX XXXX XXXXXXXX XXXX trial and cancelled shortly after due to the wife not liking it. It did not cancel. Appears hundreds of people are having the same experience. 
XXXX XXXX XXXXXXXX started billing me at the full price and continued to bill me for the following months below. The charges that appear are those that appear from my bank statement of credits and credit removals. ( They could not contact them either. ) Bank of America was requested to stop allowing the charges in XXXX, but did not. They have refused help performance of any kind. 
RE : Unlimited Cash Rewards Visa Signature XXXX XX/XX/16 XXXX XXXX XXXX XX/XX/16 XXXX XXXX XX/XX/16 XXXX XXXX XXXX XX/XX/16 XXXX XXXX XXXX XX/XX/16 XXXX XXXX XX/XX/16 XXXX Total {$460.00} In Fraudulent Charges In searching the web I found a lot of other people were having the same problem. It is not being cancelled after the trial period and there is no one to contact. 
Despite asking Bank of American to stop the charges after the first charge they refused saying I authorized it and continued to allow the fraudulent charges to occur for months after my request for a stop payment. 
Any possible help on this would be appreciated. Due to the large number of complaints this appears to be a significant problem with XXXX XXXX XXXX XXXX. 

Thanks, XXXX XXXX XXXX
Product: Checking or savings account

There was a fraudulent claim that was filed with Chase Bank regarding a Verified Wire Transfer to my account from XXXX XXXX XXXX. The wire I received on XX/XX/2023 was for {$150000.00}. This money was made available to me with no issues whatsoever. Then on Tuesday XX/XX/2023, I went to the bank and requested 2 cashier 's checks and took out money as well successfully with a bank teller with no issues. I then find out that on that same day my account was placed on restriction due to the wire transfer that I received. I find out that XXXX XXXX  is now claiming this was a fraudulent wire transfer issue. If that were the case, then why did they file a court record document of our agreement regarding this advance request. This was all done legitimately, and I want my money available to me ASAP. This company is lying and is providing false information to Chase Bank to receive their money back for whatever reason they are claiming and I am extremely upset that Chase Bank does not support their customers. I have attached the documents that are legitimate and the agreement that was agreed upon successfully and have include the court docket as well of this agreement. No fraud was committed as these documents were filed in court successfully. Also this funding instructions provided include an audit report that was completed successfully as well with no fraud or errors acknowledged by the company.
Product: Mortgage

In XX/XX/XXXX, I refinanced a home loan held by Cardinal Financial. The loan was supposed to close on XX/XX/XXXX. I assumed that it had closed, however on XX/XX/XXXX I was contacted by my loan officer with some distressing news. He stated that Cardinal Financial had rejected the payoff wire from my title company. The reason Cardinal Financial gave was that they were waiting for a check to be returned from my tax collector. I had paid the property tax on XX/XX/XXXX and Cardinal Financial sent a duplicate check from my escrow account on XX/XX/XXXX. This created a " shortage '' in my escrow account. 

Cardinal Financial stated that they attempted to contact me " multiple times '' between XX/XX/XXXX XX/XX/XXXX prior to sending the wire back and rejecting the payoff funds. I have NO RECORD of any voicemail or email message from Cardinal Financial during that period. In their letter ( attached ) dated XX/XX/XXXX, they claim that they don't have a verified email address for me on file. Given the fact that they held a mortgage on my property since XX/XX/XXXX, this is both ludicrous and beyond belief. 

Cardinal Financial also claims in their letter that when they received the initial payoff funds, they contacted my title company who requested they " hold the funds until the shortage was received. '' I discussed the matter with XXXX XXXX and they state that no one on their team spoke with any representative from XXXX XXXX between XX/XX/XXXX XXXX date of disbursement ) and XX/XX/XXXX when Cardinal Financial returned the wire to XXXX XXXX. Furthermore, Cardinal Financial doesn't specify in the attached letter who they spoke with at the title company ( there are only 5 people on the team ). XXXX XXXX states that they would not have stated to hold the funds until the shortage was received. And obviously, XXXX would have reached out to me before XX/XX/XXXX if they had been awareof the situation. 

This whole situation has been extremely stressful and costly. I ended up paying an additional {$1500.00} in interest due to a situation that I had no knowledge of and that could have been handled without a delay of nearly a month. 

I am hoping you can provide a speedy resolution to this appalling situation. 

Enclosures : My email sent to Cardinal Financial on XX/XX/XXXX ( scan2 and 3 ) Response from Cardinal Financial dated XX/XX/XXXX ( scan 1 ) Thank you, XXXX XXXX
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. 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 XXXXL : 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 : 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 the following items 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. 16815-2 ( 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: Credit reporting, credit repair services, or other personal consumer reports

My second mortgage with Bank of America was charged off XX/XX/XXXX. At that time we agreed to a settlement amount of {$25000.00} with a initial down payment of {$10000.00} with a monthly payment of {$310.00} to be withdrawn directly from our Bank of America account on the XXXX of every month. We have been making this payment since XXXX and have NEVER been late. I checked my XXXX  account and it shows that there is a Bank of America charge off listed  with an amount of {$75000.00} with a balance of {$47000.00}. It also shows on our credit report that we have been listed as FP failed to pay for XXXX, XXXX, XXXX, XXXX and XXXX of XXXX and FP for XXXX, XXXX and XXXX of XXXX. We have bank statements and the original settlement agreement with Bank of America that prove we have NEVER failed to pay the agreed amount. The XX/XX/XXXX FP failed to pay report lowered our credit score 11 points, right at the time we are trying to refi our current mortgage. We would like the FP failed to pay be removed from all credit reports for all months starting in XXXX up to XX/XX/XXXX and for Bank of America to show the settlement amount and the balance.
Product: Credit card

On multiple occasions, I have given more than enough money to discover card and yet every time I log back in theres something different happening with the credit card. Has been closed for a good year now, however fees on top of fees. I just managed to pay it off for {$1.00}. Then payments were returned to me, I have verification of the balance on my bank account and unsure why the balance keeps coming back. Instead of having post payment for the card ; I am willing to make a complaint with the law regarding the obscure activity the account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My Coinbase account was hacked via a sim swap attack around XX/XX/2021. Coinbase allowed a transfer of {$500.00} out of the account without sufficient funds in the account and is now attempting to collect these funds from me. I have proof that Coinbase allowed someone else to change the name, date of birth, and last XXXX of the social security number without confirming my photo ID which was used when first setting up that account.
Product: Money transfer, virtual currency, or money service

I paid {$1300.00} for 100 backpacks using PayPal 's service. The seller did not " ship '' my product, but instead sent me fake tracking info. I paid {$1300.00} for 100 backpacks using PayPal 's service. The seller did not " ship '' my product, but instead sent me fake tracking info. PayPal refuses to refund my money, despite the seller clearly defrauding me out of {$1300.00}. Case # XXXX Account ID : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. y1e to equa ustomer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process a 0:38vas unfair and veceptive, as they a not '' comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As an INJURED consumer, I must state that I am currently without information or knowledge sufficient to form an opinion as to the truth or accuracy of the data providers claim ( s ), and based on that I elect to deny generally and specifically the accuser 's claim. Please demonstrate confirming testimonial certification physically verifying the absolute and irrefutable validity of every aspect of claim in its entirety to the undeniable full truth, correctness, completeness, ownership of, responsibility of, compliance of, and document evidentiary PROOF of the alleged compliant reporting or else eradicate any and all unproven, unverified, or uncertified aspects of derogatory reporting. Perfect lawful reporting is REQUIRED for you to possess legal standing so report in proven compliance immediately today, even here and right NOW! I request that you VERIFY the VALIDITY of all claims physically, CHECK for the factual and precise CERTIFIED COMPLIANCE OF REPORTING and REMOVE or MODIFY as needed any item ( s ) of derogatory allegation of which the PHYSICALLY VERIFIABLE VALIDITY and or the CERTIFIABLE COMPLIANT REPORTING is deficient or missing via willful derelict OR even if dereliction is due to ignorance. To collect any claim MUST be verifiably VALID, and to REPORT the alleged VALID COLLECT-ABLE derogatory information MUST be of a documented CERTIFIED COMPLIANT REPORTING, such as to the true, correct, complete, timely, and undeniably factually perfect METRO 2 FORMAT reporting compliance standards! VERFIFY PROPERLY BOTH the VALIDITY OF and PERFECT CERTIFIED COMPLIANT REPORTING OF all claim ( s ) and every aspect of claim ( s ) OR ELSE permanently REMOVE THE FOLLOWING DATA/ACCOUNTS and or the undocumented derogatory aspects of such data/accounts : Account name TEXAS XXXX EMPLOYEES CU Account number XXXX ....
Product: Debt collection

On XX/XX/21, I received an email from my credit monitoring service. It informed me that my credit score had dropped over XXXX points. I logged on and found that AFNI , Inc. had illegally posted a collection account and the original creditor was XXXX. I have never heard of nor had an account with either of this company. My report shows that it is an open account and was opened on XX/XX/21 with a balance of {$270.00} I have no know knowledge of this company nor this debt. I have never had an account not any dealings with them. By federal law, a debt collector is supposed to make contact with a supposed debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies or me to go further with this account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this a scam or someone is attempting to hack my credit file or not. What I do know is that this company has broken FCRA and FDCPA laws but reporting a false account to my credit report without informing me through mail, email, phone, etc. My credit score has dropped tremendously in the middle of purchasing a home. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have to be delayed until this illegal account is removed. AFNI , Inc. XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX ( XXXX ) XXXX