23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau is not following their fair credit reporting act obligation. They have not acted in a prompt or " Fair/Equitable '' manner. Over the past 12 months I have been requesting a removal and/or investigation on numerous fraudulent charged as it is well known with the IRS and the other 2 credit bureaus that my identity has been stolen. The culprit has even been found and is being criminally charged by the IRS CI. I have IRS contacts and references as well to back my claims as they contacted me and conducted an interview showing me the fraudulent accounts created under my name. The bureau has not submitted evidence of investigation by providing me with the names and address of persons contacted as requested as they only send the standard paper over and over saying that it is verified when these accounts ARE NOT EVEN VALID, nor have they removed the inaccuracies. They have failed to take care to maintain the accuracy, relevancy, and proper us of information of my file. I have already filed a police report and an identity theft affidavit as well. I have submitted a small claims petition myself and served the papers via certified mail to of I get no response, so now I've partnered with an attorney and intend to also file a complaint with the Subcommittee on banking, credit and insurance and my attorney state general due to the blatant disregard of the law with this bureau. The other 2 bureaus have fixed the problem on their side, there is no valid reason to disregard the law and for this long of a time period. I have records and paper trails of everything and am fed up, I intend to take this as far as I can fully-fledged and request compensation as well if these fraudulent accounts are not removed. Please remove these fraudulent accounts immediately. 


XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Debt collection

This current debt that is trying to be collected by midland credit is the result of A fraudulent charge that I reported to XXXX  XXXX XXXX  on XX/XX/2018. 

My credit card was stolen and used. I called into XXXX XXXX XXXX  and for some reason there wasn't a fraud department to dispute charges. They instructed me to write in to a specific address to dispute the charges in writing. I did so the next day. NO investigation was completed after that. In fact they continued to call me and threaten me to pay my balance that I did not charge to my card. Even one person had the audacity to call me cheap if I couldn't pay for the small XXXX XXXX XXXX wanted me to pay the balance that I didn't charge to my card. Attached is the letter I sent with no response from XXXX  XXXX XXXX. 

I have now have a negative charge on my credit report for these charges that I did not complete. These negative charges are keeping me form getting the current job that I am eligible for. This is a formal complaint to MIDLAND CREDIT and XXXX XXXX XXXX that I will take legal actions based on the XXXX law prohibiting me to accept a job based on a negative credit remark. Legal actions of incorrect reporting to all credit agencies that are simply false and for putative damages up to {$500000.00}.
Product: Mortgage

I currently have a home mortgage loan with the company Mr. Cooper. We recently went through a mortgage modification under CARES due to the COVID19 pandemic. We completed our mortgage modification in XX/XX/2021, and resumed payments in XXXX ofXX/XX/XXXX. We made a payment on Mr. Coopers website in XXXX which was due XX/XX/XXXX with a grace period up until XX/XX/XXXX. Our payment came out, but due to an error a duplicate payment was completed. I had to contact my financial institution XXXXXX/XX/XXXX to have one of the payments reversed, which went through. 

I was told by Mr. Cooper to do this, however this caused an issue with my Mr. Cooper account and they blocked me from making any further payments using my bank account which they failed to notify me. 

My spouse setup an auto payment for XXXXXX/XX/XXXX payment, however it did not go through and Mr. Cooper showed me as a late payment. I attempted to make multiple payments through both Mr. Coopers website and on the phone, but they were unable to process it on XX/XX/XXXX. I was eventually able to speak with someone and they explained the bank account was blocked and the issue was fixed. A payment was made XX/XX/XXXX, however it was reversed again. 

I attempted to make another payment as of this report, and it has still failed to process and no one from Mr. Cooper can give me an answer to this. Mr. Cooper has said if the payment has failed to be posted by XXXX XXXX, it will be reported against my credit. 

I've also been charged numerous fees for payment reversals, late fees, etc ... when I am trying to get the payment completed. I was told these fees would be waived, but they still show up on my account. 

This has been an absolute nightmare, and there are funds in the account I am attempting to pay with, more over I have contacted XX/XX/XXXXand they said there are absolutely no issues on their end.
Product: Bank account or service

My checking account was comprised. I misplaced my debit card and somehow someone got access to my account with my card and got my online account information. Deposited fraudulent checks into my account and started withdrawing from those deposits. I initially went online to check my balance and was locked out of my account. I called to find out why I was locked out. The representative I spoke with simply told me my account had been closed because of bad checks and fraud. No one offered or asked me any questions to determine the validity of the charges and simply released the call. I called back to open a claim against the charges. I received a letter dated XXXX/XXXX/16 stating the claim was opened. I received a second later dated XXXX/XXXX/16 stating it was resolved. I called to try and figure out how the claim was resolved 24 hours later without an investigation. I was told by the representative that because my pin was used and and the mobile deposits were made that someone close to me must 've taken my information and was holding me responsible. I REPEATEDLY tried to get the representative to listen to me and ask them to pull the tape for review. HE REFUSED. He stated he wasnt blaming me but it had to be somebody i knew. I repeatedly tried to inform the gentleman i had NO knowledge of anyone i know personally stealing information from me, and furthermore i had no part in any of the fraudulent activity and should not be held responsible. It was not until AFTER I threatened to file a complaint against bank of america that he offered to reopen the claim if I filed a police report. Not only was my account closed as a result. The bank has taken over {$800.00} from me and the account is now in the negative over {$1000.00} which they are trying to hold me responsible for.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/XXXX BINANCE.US Is Not Responding To Multiple Support Tickets That I Have Submitted Over The Course Of Two Months. Resulting In An Inability To Withdraw Funds Or Earn Revenue. 
I Deposited XXXX XXXX Dollars In XXXX XXXX Dollar Increments On The Dates Below In The Attached Bank Statement. Those XXXX XXXX ; XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Listed As, " XXXX XXXX ''. 
On Or About XX/XX/XXXX, I Disabled The Account After Reading The That I Could Freeze The Account If I Had Any Concerns. I Addressed The Concerns I Had And Went Ahead With The Verification Of Reactivation Two Days Later XX/XX/XXXX. Since Then I've Had No Contact With Support. I've Sent In Numerous Tickets, I've Contacted Numerous BinanceUS Accounts, " XXXX '' " XXXX '' " XXXX '' And Still Nothing. 
As Of Now I'm Still Locked Out With No Word From BINANCEUS. 

XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Subject : Request for Assistance Regarding Inaccurate Information on My Credit Reports To Whom It May Concern, I am writing to formally request your assistance regarding unresolved disputes with XXXX, XXXX, and TransUnion concerning inaccurate information on my credit reports. Despite my attempts to dispute these inaccuracies directly with the credit reporting agencies, I have not received sufficient proof or data substantiating the information. 

Upon reviewing information about the CFPB lawsuit involving these credit bureaus, I believe I may have been impacted. In my previous disputes, the responses I received from the bureaus were generic and did not provide evidence that an investigation was conducted as required under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA, I am entitled to have all inaccurate or unverifiable information removed from my credit reports, yet the bureaus have failed to fulfill this obligation. This ongoing issue has caused significant harm to me financially, as the inaccurate reporting affects my ability to secure credit and other financial opportunities. 

I kindly request the following : 1. A thorough investigation into my disputes with XXXX, XXXX, and TransUnion to determine whether the proper procedures were followed. 
2. Immediate removal of all inaccurate and unverifiable information from my credit reports, in compliance with FCRA guidelines. 
3. An explanation of the steps the credit bureaus are required to take when conducting a dispute investigation, as well as how they ensure compliance with these steps. 

Attached are copies of my previous dispute letters, responses from the bureaus, and any supporting documentation relevant to my claim. 

Thank you for your time and attention to this matter. I trust that the CFPB will take the necessary steps to ensure that my rights under the FCRA are upheld and that the credit bureaus are held accountable for their obligations. 


Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On or about Thursday my wallet and phone were taken by my step daughter and her boyfriend. While they had my phone they apparently applied for a loan through lending tree. My banking information was given out and XXXX was deposited into my checking account. I guess money was supposed to be sent back but was not able to do that. Now my bank account is locked. I don't believe this is a legit company. They asked for money to be XXXX XXXX back also gift cards to be purchased.
Product: Checking or savings account

The amount for {$290.00} was sent to a collection agency name ( Professional Placement Services. ) This was a indirect violation of the fair credit reporting act. They do not have or sent me a Original copy of this account. Immediately I will like for this account be removed from my credit report.
Product: Credit card or prepaid card

I have attempted to contact sams club synchrony bank regarding fraud on my card and opening a totally new account. I need help!
Product: Money transfer, virtual currency, or money service

To whom it may concern : In the beginning of the month of XX/XX/XXXX, I received in the mail a manila envelope marked priority mail 2 day with 5 personal money order checks Citibank logo. The amount was for {$850.00} each check. The checks were marked XX/XX/2018. I brought them down to my bank at XXXXXXXX XXXX, spoke to the bank manager who verified that the checks were real, said it would take 24 hours after depositing the checks into my checking account to clear, then I would be able to withdraw, having the balance in the account. I waited. After the 24 hours, I withdrew XXXX of the money to start paying off bills, doing groceries and gas. On XX/XX/2018, I received a letter from my bank, dated XX/XX/2018, stating that they were taking back the 5 check amounts of {$850.00} each. I called the customer service number, that is 24 hour help, spoke to a representative who said that what was showing was that Citibank was now saying that they were not going to cash the checks. 
On Monday, XX/XX/2018, I called the Citibank customer service number. The gentleman I spoke with could not verify why without speaking to the person who sent the checks. All I had to go on was the name on the envelope. ( I have included pictures as well of the 5 checks with the envelope. Also the letter from my bank with copies of the checks ).

Right now, my account is negative almost {$3900.00} because of this. ( Please refer to picture included ). I am on a very limited income and can not afford this. 
On XX/XX/2018, I have received another 5 checks in a manila envelope, in the same amount just with different person and address on the envelope. ( Please refer to included pictures ). 
On closer look to the checks from both times, everything is the same. 
Please help me what to do about the negative almost {$3900.00}.
Product: Checking or savings account

On XX/XX/2024I Deposited {$300.00} at the XXXX XXXX RI Citizens Bank branch. A few hours later two withdrawals in the amounts of {$100.00} and {$200.00} where taken out at a XXXX XXXX FL location. Then a charge at XXXX 's for {$11.00}. 

I went into the closest branch to me to figure out what to do. They opened a claim for the charges and opened me a new bank account. The Fraud Claim was denied... So I went to a different branch, this time, and complained again. They opened new claims. The XXXX 's charge this time was approved but the two charges for {$100.00} and {$200.00} where not.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was sent a fraudulent check, which I deposited into my account, not realizing at the time that it was fake. Shortly thereafter, I was contacted by someone claiming to be affiliated with the checks issuer, who insisted that I send a {$1000.00} payment via Zelle to resolve an alleged issue. Out of fear and confusion, I followed their instructions and sent the {$1000.00} to a random person, believing it was the only way to prevent further consequences. 

After realizing that I had been scammed, I immediately contacted the Zelle department, the police department and the actual bank branch to dispute the transaction. Unfortunately, I was denied access to my account, and despite several attempts, I did not receive a follow-up call regarding the status of my dispute. It was only after I proactively called again that I was informed about the next steps, which have yet to yield a resolution. 

As a result, my account now has a negative balance due to the {$1000.00} Zelle transaction, and I am urgently requesting the following : Investigation and Resolution : I kindly request that you investigate the fraudulent check and the Zelle payment, as I was coerced into making the transfer under false pretenses. 

Given that I was a victim of fraud, I am asking for the negative balance resulting from this incident to be reversed. The transaction was made without my informed consent, and I believe that I should not bear the financial burden of this scam. 

Despite my efforts to resolve this with Zelle, I have encountered difficulty in obtaining assistance. I would greatly appreciate your help in escalating the matter to ensure that I am reimbursed for the {$1000.00} sent to the fraudulent recipient. 

Please let me know if any further information or documentation is required to facilitate the resolution process. I am looking forward to your prompt attention to this matter, as it has caused significant distress and financial hardship. 

Thank you for your time and understanding. I am eager to work with you to resolve this issue and restore my account to good standing.
Product: Prepaid card

I have several incidents were money was drawn out my account from unknown people and purchases not made by me. I tried to resolve the issue but the automated messages would say they would look in to it buti never got a response.
Product: Checking or savings account

i paid bills with checking account i sent 2 checks out XXXX XXXX they did not cash checks till XX/XX/XXXX ok they cashed them but said there was no money in account they lie .they have said ach payments i make can take over 15 days there are bills they have never paid but they sure as XXXX have taken money out.they charged me ach fees and blamed XXXX  XXXX who dont charge fees when used to buy from apple they have ruined my credit oh and about XXXX XXXX the teller laughed at me when i said your a liar and i proved it
Product: Mortgage

I have been fully denied all my rights as a person that had been a homeowner that had been divorced then fell to default all while the loan with wells fargo in my exhusbands name with us both as the lien holder to upon divorve decree order tried to assume and modify the loan. It was all fully backed with XXXX XXXX with specific rights that allow a divorce decree to then allow the remaining spoce not on loan to automatically assume loan as rights pertain upon the mortgage regulations stated thst Wells Fargo denied to have any type of this to have been allowed then they foreclosed upon also habing wrongfully denied my lian modification ans assumption request that also was never needed upon diborce as I had right to allow myself with divorce decree stating sole home cost as my responsibility thrn also sent Wells Fargo this decree thrn requested multiple reviews to assume or even just get forbarance in written request all denied upon my asking. This is all documented and wells fargo still dienes all of theese issues or any type of wrongdoing as they are concerned.bi have more then enough to prove this all was sone and my home foreclosed reguardles nof monthly request to assume and modify and also to pay currently due total before it was sold anyway but also denied my rights to my home to remain in my name that XXXX. XXXX specifically must have loans per divorce when spouse to take home loan can assume per court order to allow the home to be thiers. I dilled many complaints to make this right then the wells fargo bank never was able to show they ever really did any type of wrongdoing to a wrongfully foreclosing to have been deemed as having happened. This all is also based due to the issue the bank denied all required written and spoken requested assumption and dual modifications as i had a request and the bamk denied my full modification application they had been able to show they somehow dis not recieve due to missing documents they also had to now somehow get away as they denied the trueth that i have those missing documents to prove as wrll was all wrong and negligence was being the main issue as wells fargo had to allow basic XXXX XXXX loans a right to assume as the riggt of ownership thrn allows me to have been the sole person to allow automatic assumptions of loans per divorce when they also denied this multiple times as i requested. This must get correctly fixed to my loan rights have now been fully wrongly denied as they never took any responsible action to ever fix as the mortgage had my rights all in written dorm spelled out that i mever had to be a person required to thrn be applicable as they have no tight to deny this to me per XXXX XXXX rights the loan stated must be asserted.
Product: Money transfer, virtual currency, or money service

I wired {$6600.00} to an account at JP Morgan Chase Bank in XXXX, NY on XX/XX/XXXX for the purchase of on online car sale that ended up being fraudulent. Bank information is as follows : Beneficiary Bank : JPMorgan Chase Bank Address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX Beneficiary Name : XXXX XXXX Mailing Address : XXXX XXXX XXXX, XXXX, NY XXXX Account Number : XXXX Routing number : XXXX Reference number : # XXXX. The transaction began when I made contact with supposed car seller XXXX XXXX, XXXX XXXX XXXX XXXX IN XXXX, via a listing on XXXX for a XXXX XXXX VIN # XXXX. We exchanged emails in which she described needing to sell at a low price because of moving out of country. She let me know that she had a shipping company handling the sale ( XXXX  XXXX XXXX XXXX XXXX IN XXXX / ( XXXX ) XXXX / XXXX / https : XXXX ) She described a transaction in which I would pay for shipping, the company would hold full payment in reserve, and I would have five days once in receipt of the car to decide if I actually wanted to purchase it. XXXX contacted me with the wiring directions above. I sent the money, and they sent a straight bill of lading with a delivery date of XX/XX/XXXX. The car wasn't delivered on time and all attempts at contact with the delivery company and seller since then have gone unanswered. Indeed, the phone simply rings a few times and then beeps with no voicemail, and clicking a few times through the website goes nowhere. I began to realize it was a scam and a search on the VIN found this : https : XXXX. I contacted my bank, XXXX XXXX XXXX XXXX, on XX/XX/XXXX. Both their attempts at rectifying the situation with Chase and my attempts to communicate with Chase about this issue have gone unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX  XXXX   Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXXXXXXXXXX  Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXX/XX/year> ; XXXX XXXX XXXX  XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Ocwen Loan Servicing received my mortgage payment on XXXX/XXXX/2016 & recorded it into my mortgage history AND then returned said payment to my bank account recording my payment as late. 

I contacted Ocwen who said they would not provide me with a reason for my payments return and now that they recorded my mortgage as late after receiving said payment I want evidence they were at fault.