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

Good Afternoon, I hope your day is going well. I am submitting this Complaint to inform CFPB that I have been a victim of an Investment Fraud Scheme and would like to File an Official Complaint on this Broker with your Organization. On XX/XX/XXXX, I connected with a XXXX XXXX XXXX by checking the XXXX. The XXXX name is XXXX XXXX XXXX. Her CRD # is XXXX. XXXX provided information that she is currently employed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX and their CRD # is XXXX. Also, licensed as an Investment Advisor with XXXX Personal and Workplace AdvisorsXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX and their CRD # is XXXX. She has a XXXX XXXX and XXXX XXXX. XXXX XXXX XXXX and I started conversing through XXXX XXXX. Her XXXX XXXX contact number is XXXX. Her email address is XXXX. We started conversing on XX/XX/XXXX up until XX/XX/XXXX. She sent me an XXXX XXXX. She stated that she trades for clients and takes XXXX percent of the profits she makes for her clients and clients can take their profits at any given time or she would advise re-invest. She advised me to set up a XXXX account. I had never used XXXX  or ever did any kind of Investing. Therefore, when it came time for me to take the profits, she informed me of another party that needed funds in order to get the profits. I have been de-frauded out of a total of {$110000.00} which is all of my savings. I havent been able to eat nor sleep since my last communication with her on the XXXX XXXX on XX/XX/XXXX. I have all documentation that was involved with this broker. Please see below in reference to the breakdown of the monetary values involved. I have my bank JP Morgan Chase involved in investigating the Scam as well. Please help to stop this broker from taking advantage of others now and in the future. PleasePlease.Please. I look forward to speaking with someone soon in reference to this issue. 
XXXX $ XXXX XXXX $ XXXX Transfer XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX Also, as an FYIplease note that this Broker is still at these games. On XX/XX/XXXX @ XXXX XXXX  and because she has blocked me from contacting her through the XXXX XXXX. I had my son contact her acting like he wants to be a potential client and she responded to him. PLEASE HELP!!!! 

I reached out to XXXX XXXX XXXX XXXX and their Employee Relations Fraud Division returned my call on XX/XX/XXXX to Confirm that XXXX XXXX XXXX is an Active Employee as a Licensed Broker with XXXX XXXX XXXX XXXX but they were aware that a Fraudster was Impersonating XXXX XXXX XXXX. She stated that I was not the first person that this XXXX has done this too and they are aware of this Issue. 

As a Consumer, I would like to see that the XXXX  Website will include some kind of Alert that someone is impersonating this Broker as XXXX XXXX XXXX and to be Warned of a Potential Scam Alert. 

Sincerely, Sincerely, XXXX XXXX
Product: Mortgage

I'm a veteran, In XXXX I took a huge pay cut, I have a mortgage through Bank Of America and was forced out due to foreclosure threats from them. I did make an attempt to file a deed and lieu, and sell the house, but BOA declined all offers to help. After 10 years of this, and 7 years of renting in another city, I applied for a VA mortgage to buy another home i'm being told that the deed in lieu was never filed by BOA. I'm thinking it is ok to buy another home, but that is not the case. I'm looking for someone to look further into this issue for me.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 

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

15 U.S.C 1681 Section 604A Section 2, states a consumer reporting agency can not furnish an account without my written instruction.

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 record of convictions of crime which antedates the report by more than XXXX years. 

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 XXXXXXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX ] [ XXXX ] [ XXXX XXXX ] [ XXXX ] [ XXXX  XXXX XXXX XXXX XXXX XXXXXXXX ]
Product: Credit card or prepaid card

On XX/XX/2022, Bank of America informed me that within five to seven business days I was going to receive a new credit card because the account that I had before had been closed due to fraudulent activity. The number of the acount that was closed is XXXX XXXX XXXX XXXX. I have contacted Bank of America on several occasions and they always told that they are going to mail me a new credit card but they never sent me the new credit card. Please request Bank of America to provide me a new credit card inmmediately.
Product: Checking or savings account

On XXXX XXXX XXXX between XXXX and XXXX I went to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX I went to the ATM to deposit some money into my account to pay my rent I was supposed to deposit XXXX bills but I ended up just grabbing a stack of money and putting that in the ATM After I did that the ATM jammed and never gave me my money back the amount was between XXXX $ - XXXX $ XXXX visited the branch the next day and filed a dispute to get my funds back I was told that my money would guaranteed be put back in my account because the ATM stole my money from me On XXXX I was told that my XXXX claim was denied and that they would be closing my account and that they couldnt find an error I dont understand how they came to that conclusion when I provided them video footage and a picture of the receipt also I was told they would check the atm and get it serviced to figure out the correct amount that was taken from me
Product: Student loan

I am struggling to make payments on my two loans who are being handled by XXXX. They are going into collections, working 1-3 days a week. Every one I try to talk to in customer service is incredibly rude and short with me. Not to mention I've been charged unreal amounts in interest. Today XXXX-18 I attempted to make a XXXX payment with a prepaid debit card because I do not have a checking account. Where I was told they do not accept these type of cards with their system. Now, I have to get a money order to mail to them in the mail. Which is only going to add more interest to my account in the meantime. I'm trying to make an effort to make payments, but no one wants to work with me or offer me other suggestions. I am also in the process of getting these loans consolidated through this same company.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION BROKE THE LAW. 

Before I proceed, I'd like to remind TransUnion that per 15 USC 1681 ( a ) ( XXXX ) the banking system is dependent upon fair and accurate credit reporting. I have lost confidence in their ability to fairly report anything on my credit, which in turn makes me distrustful of the banking system. 

TransUnion is in violation of the following subsections of the FCRA. 

In 15 USC 1681 ( a ) ( XXXX ), Congress made it clear that TransUnion is an elaborate mechanism with no authority. Congress said in 15 USC 1681 ( a ) ( XXXX ) that they were not given this role, however their assumptions have caused me severe hardship due to their unfair reporting without first contacting me, the consumer. 15 USC 1681 ( a ) ( XXXX ). 

TransUnion has no proof any of these transaction even took place, and impartial information is being reported. Only one side of the story is being told. Transunion has infringed on my privacy by conversing with a XXXX party about me, and reporting this information as a result of that conversation. Based on 15 USC 1681 ( b ), this information did not meet the needs of the consumer. The negligent information they are continuing to report is defaming my character, and this false information being used it not equitable for me, the consumer. 

Per 15 USC 1681a ( XXXX ) ( a ) ( i ), if these alleged transactions took place, it would have been confidential in nature between the consumer, and the person, and TransUnion would have no way of knowing if it was accurate or relevant. TransUnion has betrayed my confidence, and due to these violations, I am DEMANDING the following accounts be excluded from my consumer report immediately. 

XXXX ) Alleged public record with XXXX XXXX XXXX CALIFORNIA. I have ALREADY provided information with the so-called " verified source '' that shows no such transaction on my report. You are boldly lying by continuing to report this information. Again, TransUnion is being unfair and discriminatory to me, the consumer. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX ) TXXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXXS XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, the consumer, am being discriminated against XXXX and treated unfairly by TransUnion. I have provided true statements and cited violations of 15 USC 1681. If the above listed accounts are not removed from my consumer report, I will assume you are willfully violating your obligations under the FCRA and seek remedy for damages of up to {$1000.00} per violation. 

Fix this immediately.
Product: Credit reporting or other personal consumer reports

I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account immediately for violation of 15 USC 1681e ( b )
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I purchased {$28.00} worth of XXXX XXXX at CoinBase in order to make a purchase using my CoinBase card ( which is funded by XXXX ). 

The {$28.00} purchase later failed and my account was marked for recovery of funds. This is not a problem and has happened before. I clicked the steps to make a payment to cover the failed transaction and received a " Success '' message. I then received XXXX emails over the next 24 hours letting me know that funds recovery was " complete ''. 

My account remained locked, unable to use my funds. 

I have tried to pay several more times and have received the error " Too many transaction attempts '' for weeks. This obviously was caused by their system trying to recover XXXX times ( hence the XXXX emails I received ). 

I contacted CoinBase support via email on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. 

I called Coinbase on XX/XX/XXXX and after an hour long phone call was told to wait for an email response. 

The last response I received from CoinBase was on XX/XX/XXXX and was an automated message stating " they were aware of my issue ''. 

I have attempted to contact them twice more ( XX/XX/XXXX, XX/XX/XXXX ) via responding to my ticket and have received no response. 

I have not received an update from a human being since the XXXX XXXX XXXXXXXX. 

The case number is case # XXXX or # XXXX
Product: Debt collection

Ive been contacted by ERC telephonically but they will not identify the supposed debt without me providing them with information. To my knowledge I have no outstanding accounts. I was contacted by them some months ago but they had my phone number and address and a different name. I advised them of this and now the calls are starting again but I havent received any written communication so that I can assess the validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me.

XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX EQUIFAX MORTGAGE SOLUT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX XXXX to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MTG XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Equifax to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax Mortgage Serv XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

I had a series of checking and savings accounts at First Republic Bank ( FRB ), as well as investment accounts ; separately, I had a checking account at Chase. When FRB was acquired by Chase, all my accounts transferred over on XX/XX/XXXX and I was told all terms and conditions would stay the same until XX/XX/XXXX, and that I would need to choose new Chase products and conform to those terms and conditions. Since my investment manager decided not to stay at Chase, I closed my investment accounts, but kept all my banking accounts. 

Before XX/XX/XXXX, I went into a Chase branch to reconcile all my accounts. I closed XXXX accounts that were no longer needed and converted the remainder into XXXX XXXX accounts that required a minimum balance of {$75000.00}. I kept my end of the bargain, maintaining a balance of over $ XXXX. On XX/XX/XXXX - the exact same date that FRB terms expired - Chase sent me letters informing me that " We periodically review existing accounts to ensure our products and services are appropriate for our clients ' goals and objectives. Sometimes, we determine that a client 's interests are no longer best-served through a relationship with J.P. Morgan XXXX XXXX XXXX XXXX ). The deposit account above falls into this category and we must close it. '' They sent me this letter for every single account I have at the bank EXCEPT my main checking account. 

I called the bank, assuming it was a mistake and was told that it was not. I don't understand why they can close an account when THEY don't think it meets my needs but I am satisfied just fine and have met all the terms and conditions of the account type I hold. They will not give me any reason why they are closing my accounts, nor will they allow me to keep them open. They won't even give me more time to transfer all my banking relationships ( these aren't just my accounts, but also joint accounts with my children ) - the letter was dated XX/XX/XXXX and I only have 30 days, even though I didn't receive the letters until XX/XX/XXXX. Since I am on vacation the end of the month, I essentially have 15 days to find a new bank and get everything set up. 

I think this action is in retaliation for my closing my investment accounts. I want Chase to be stopped from unilaterally closing my accounts for no reason. Further, I have been told that my Chase Sapphire Reserve credit card may also be subject to some review, which I've had for many years and pay in full every month.
Product: Credit reporting or other personal consumer reports

Cease and Desist To Whom It May Concern, I am writing to formally request that your agency cease and desist all further communication with me regarding the account referenced below.

Additionally, I request that you remove this collection account from my credit report in accordance with several provisions of federal credit laws. The account appears to be inaccurate and does not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Inaccuracy and Completeness ( FCRA Section 611 ) : The information being reported is inaccurate and/or incomplete. Under Section 611 of the FCRA, I am entitled to a complete and accurate credit report. Please review and correct this information to ensure compliance.

Verification of Debt ( FDCPA Section 809 ) : ** I request that you provide validation of this debt as required by Section 809 of the FDCPA. If you can not provide proper validation, you are obligated to cease reporting this debt to the credit bureaus.

Inaccurate Reporting ( FCRA Section 623 ) : the debt is found to be inaccurately reported, Section 623 of the FCRA requires you to correct or delete the information from my credit report.

Please confirm receipt of this letter and that you have ceased all collection activities and removed the account from my credit report. If you do not comply with these requests, I will be forced to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

I have been attempting to correct reported information on my credit reports for a collection with expired SOL and never validated. XXXX and XXXX have corrected their records and removed the collection account. Experian however sent a letter indicating they would not re-investigate because it was previously investigated in the past.
Product: Mortgage

We sold our home ( officially closed ) in XXXX  on XX/XX/XXXX for {$300000.00}. At the time of the sale, our realtor provided the mortgage company with our new address in XXXX to send our escrow refund from the sale of the house. The mortgage company ( RoundPoint Mortgage ) got their check wired to them on the day of closing., When we called the mortgage company about 15 days after closing, they indicated it would take about 30 days to receive our escrow refund, suggesting we would receive the check by XX/XX/XXXX, but we were sure to make sure they had the correct address in XXXX. Nearly one month after closing ( XX/XX/XXXX ), we called the mortgage company again, but this time they indicated they sent the check in the mail to the wrong address ( home we sold in XXXX, not the home we were now living in XXXX ). They apologized and said they would send our escrow refund ( ~ {$3000.00} ) to the correct address within the next 30 days and promised us we would receive our refund by the end of XX/XX/XXXX. The end of XX/XX/XXXX came and we still had not received a check. We called the mortgage company again ( for the third time now ) attempting to track down our escrow refund. This time we were kept on hold for over 30 minutes after we requested a check number since they told us the check was indeed in the mail. However, this time they promised us that we would receive the check by the middle of the next week ( Wednesday, XX/XX/XXXX ). We did not receive any check in the mail and are very frustrated with this process. The mortgage company had no problem doing auto-debit from our checking account to get their money every month, and they got paid the day of closing, yet here we are more than 2.5 months later and still have not received our {$3000.00} escrow refund that we planned on using on our next home to buy. Every time we call the mortgage company we get a rep that indicates no manager is on duty and we do not know who else to contact to get our money that is rightfully ours. Any assistance would be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and numerous accounts have been opened. I am trying to get a new SSN but this has been quite difficult. Sent Experian an FTC ID Theft report, proof of ID, and police report. They removed all but 4 of the accounts. They claim the furnisher verified my name, SSN, and DOB. This is obviously the information stolen, yet Experian won't remove these accounts. There are also 4 inquiries and several addresses I have never been associated with. I am attaching a new FTC ID Theft Report, Proof of ID, and list of the incorrect information.
Product: Student loan

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

On XXXX XXXX I submitted a check for payment of merchandise in the amount of {$110.00} to XXXX XXXX. The company that they use to authorize checks, Certegy, refused to authorize the check and told the cashier she could not give a reason and told her to tell me to call my bank. Called my bank on XXXX XXXX. They explained they have nothing to do with this and it never came in to XXXX XXXX XXXX XXXX. Called Certegy ( see online they had a fine of XXXX dollars against them in XX/XX/XXXX ). They told me it had nothing to do with my credit or anything to do with me. It was their computer model. Their programmers seem to be incompetent. How many other people has this happened to. I have a debit card from my business account but I did n't want to use my business account for this purchase. I have excellent credit. Certegy is denying people with no history of bounced or bad checks for no good reason.