23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/year> someone took over my cell phone # and got all my information and applied for XXXX credit cards XXXX ) JPMorgan Chase XXXX ) XXXX XXXX  XXXX I realized someone had taken over m y identity within 4 hours of it happening. 
I contacted both creiditors on XX/XX/year> I also contacted the XXXX Credit Bureaus. 
The inquiries were only removed from 1 credit report. The inquiries are still showing on XXXX XXXX and XXXX. This is causing my car insurance to go up. Ive called the creditors. They say they've reported it to the credit bureaus to remove the inquiries. The Credit Bureaus keep asking for info I do not have to be sent to them. A FTC report. Please advise.
Product: Money transfer, virtual currency, or money service

I was added to a group called XXXX XXXX XXXX on XXXX on XX/XX/XXXX. In the group, the leader XXXX would share news about the cryptocurrency market and share a daily trade to make on the platform. He would tell what token to use, trading direction, margin and multiplier to use. Then he would tell you when to close the trade on the platform. This continued almost every day and after following for a couple of weeks I decided to try the trades so on XX/XX/XXXX I transferred {$1000.00} into XXXX and then to CXIPro to trade on XX/XX/XXXX. I traded for 4 days in a row and then on XX/XX/XXXX during the trade I lost my money and they said it was because I used too high of a margin. They asked to transfer more money in and throughout the process I did transfer {$11000.00} on XX/XX/XXXX, {$10000.00} on XX/XX/XXXX, and {$100000.00} on XX/XX/XXXX. I ended up losing my money again on XX/XX/XXXX. I was obviously upset and decided not to invest anymore but XXXX kept contacting me and told me she would guarantee I wouldnt lose if I followed the trades exactly and if I did lose then she would replace my money. I ended up investing {$100000.00} on XX/XX/XXXX and {$25000.00} on XX/XX/XXXX. On XX/XX/XXXX after following a trade exactly, the account value was again lost. When I reached out to XXXX to let her know, she tried to make excuses and avoided the question of replacing my funds. After several attempts by me to contact her, she didnt respond but instead removed me from the trading group. 

Event timeline DESCRIPTION DATE First date of Transaction XX/XX/XXXX Last date of Transaction XX/XX/XXXX INCIDENT INFORMATION Trading Platform Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lost cryptocurrency Approx. XXXX XXXX Lost amount USD {$240000.00} Total lost approximately {$310000.00} I hired XXXX XXXX XX/XX/XXXX to help track where the funds went after being removed from my wallet. 

Their crypto-forensic investigations tracing solution is also used by law enforcement to investigate suspects of cyber-crime in the crypto economy and track stolen funds. They track specific crypto addresses, transactions, and entities, and investigate links to real-world bad actors. XXXX XXXX crypto forensics investigators are savvy at scrupulously tracing and mapping activity on blockchains and figuring out where the money is located. They have tracked the money to current wallets which I can provide to you if you can help ask for the XXXX information of those wallets and help recover the money or put a stop to this scam. The wallets are in coinbase, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I told a customer service rep at New Rez that I never rec 'd the {$87.00} they allegedly mailed as a check on XX/XX/XXXX to the address of the property we sold. He took my checking account details and said I would get a direct deposit of that amount on XX/XX/XXXX. The deposit never arrived so I called New Rez on XX/XX/XXXX and explained situation. Customer service rep said it would be " escalated. '' I called new Rez today, explained situation. Customer service rep said there is nothing in the notes about an escalation ; she has now requested it be escalated. 

I paid off this mortgage on XX/XX/XXXX. NewRez insisted we pay interest thru end of XXXX as part of closing costs. While they acknowledge they owe me {$87.00}, I can not seem to collect it.
Product: Credit reporting or other personal consumer reports

Hello. We have been trying to fix my credit report for years. We have tried for long time to fight with credit bureaus. XXXX years. We send letters over and over again telling them they have wrong person and they don't fix nothing. They say on report I am XXXX XXXX XXXX and I am not XXXX XXXX XXXX. We have sent my license and social security card many times to show who I am. 

I keep getting letters showing XXXX XXXX XXXX. They also show I have mortgage and car accounts. I don't have any credit. I came to United States in XXXX. I got my social few years ago and I never open credit. I was not here in XXXX as report says. I don't have house, I don't have car, I don't have credit. Lots of addresses are showing on report. They are not mine. We keep fighting for XXXX years and bureaus still don't help me. I do everything I'm told. I do police report. I do fraud report. I get notary signatures. I do everything. I send everything to them many times. Please help me. 

Here are things not mine. Please remove from my report. 

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 

I don't have mortgage with XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$82000.00} I don't have XXXX Account number XXXX Date opened XX/XX/XXXX. 

I don't have XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$5400.00}. 

I don't have XXXX / XXXX XXXX Account number XXXX Date opened XX/XX/XXXX.
Product: Credit card or prepaid card

Hello - On Tuesday XX/XX/XXXX I was mugged  and I was robbed of my handbag. All of my important information was in my handbag including : credit cards, Driver 's License, debit cards and other various information documents. 

I went to Capital One to replace my credit card ending in XXXX on or about XXXX.As there may be other anticipated charges coming through my old card number I need to replace it with the new number. To anticipate any charges from vendors I wanted my new card number and expiration date IN Full from Capital One before the card arrives in the mail ( XX/XX/22 ) so they have a card that can pay what I may owe.

I called Capital One on XX/XX/22 to get my full card info so I could anticipate any charges and replace the old card number. I was shown a process on the website where I should be able to get the card information in full as it does not appear on my bank statements. 
I navigated to " XXXX XXXX XXXX as instructed and I was told there would be a link to be able to view the details of my new card info. There was not such a link. I was told I would be sent access to this info in an email confirming the new card that was ordered. 
There has been no such email. Today XX/XX/22, I called to ask about that email and was told " because we are serious about protecting your security '' they can not provide my new card information to me by email, phone etc and that I would have to wait for the card itself. I asked to speak to a manger. I expressed to the manager that I need my new card details which is information that belongs to me and that the former navigation to the area that should have given me a link to my card details, did not have that link. I had been told that " some '' customers would get that link to their new card info and I asked her why can't I have what is mine also? 
She tried to say it was for security purposes again and I reiterated my point - that my account was not deemed adequate or privileged enough to let me have access to MY new card information and that on some level I was being discriminated against. She said they follow fair credit guidelines about that criteria and that it was an internal matter. I asked what the criteria was? Did it have to do with a different or more expensive card? She said she could not share that information with me and that I would have to wait for my card to arrive in the mail. She did not care that I exclaimed that this was not fair treatment and that Capital One would certainly lose my business over this - as they are holding from me what belongs to me. She resigned that this was fine and that she can not help me.
Product: Mortgage

On XXXX XXXX, I was notified by my home flood insurance carrier, XXXX XXXX, that my flood insurance policy has expired. The policy has expired because my mortgage company OCWEN mortgage has not paid the policy out of escrow ( as they 've been directed to do and as they 've done in the past ). In talking with XXXX, the agent mentioned that this is a standard of practice- that several mortgage companies will wait until the grace period deadline to pay. His statement was that OCWEN is notorious for waiting until the last minute. That means- if I have a flood anytime until the policy is paid, I am not covered. This is unacceptable- and should be criminal. OCWEN says they 're unable to pay because they have not received the invoice from XXXX. XXXX says they 've faxed the invoice several times- 60 days, 45 days prior, XXXX XXXX and XXXX XXXX. The XXXX agent mentioned that he has noticed that XXXX in the past 18 months- is constantly changing e-mortgage clauses, fax # s and PO boxes. This seems to be a convenient method to deceive customers and avoid responsibilities. It also signals to me that OCWEN may not be solvent. I 'm continuing to work with both OCWEN and XXXX and hope to resolve things sooner than later. I think OCWEN is utilizing deceptive business practices and I request an investigation.
Product: Credit card or prepaid card

Regarding Citibank Double cash Transfer Promotional Offer. New accoint open for the purpose of this benefit. False marketing and citibank manager XXXX told me they will not meet the terms if check isnt processed by a specific date. 

On XX/XX/2018 I wrote a new account citi bank check ( *credit card check to pay off debt ) to  XXXX to pay a " promotional '' transfer of zero %, interest of {$800.00}. Since that date I've been watching for this transfer take place. Each time Ive looked Citibank card still shows a balance XXXX/not reflecting the amount i wrote the check for. I have not heard from XXXX that the balance transfer or payment did not go through and its been a month now. * ( Kolhs account still displays XXXX owed, no one from XXXX has told me there was an issue with the check ). 

Today, XX/XX/2018, I called citibank. XXXX CSR said " they had nothing to do with it '' and basically he and his manager pointed their fingers at XXXX. Telling me my offer will expire and not Citibank 's problem. 

I was also told that they will not honor the promotion if XXXX does not cash the check before the XX/XX/XXXX. They did not offer a solution.. nor did they offer to extend the offer .did not offer to contact XXXX to help find a remedy. 

As a consumer i did my part. I wrote the check, gave it to the cashier at XXXX.. thus same check did not work at Chase online either however i paid cash for that account. 

XXXX the escalations manager was extremely rude reciting the same thing the CSR XXXX said.. volleyball-ing blame to XXXX.. who they say needs to cash the check already.. telling me if it doesn't cash before the XX/XX/XXXX i will not get promotional offers. I'm not happy and feel my credit took a hit applying and getting approved for something i am not going to receive. False Marketing.

I feel that this is Citibanks issue since the check was cashed by XXXX..* ( called manager already he looked ) and citibank is shifting the blame. The promotional offer will not be given..if the check isnt cleared in their system by XX/XX/XXXX!
Product: Debt collection

on XX/XX/year>XXXX  I mailed a debt validation letter to Midland credit requests that they send me a proof of the debt assignment, the original contract that I sign with the original creditor, a payment history from the original creditor and name and address of the original creditor next this company who i did not sign anything with is reporting my information to the credit company with out my authorization in witch its against the accord to 15usc1692g.
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXXXXXX these are the fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I requested a payoff quote and when I received it, it contained a late fee of {$62.00}. I called Freedom mortgage to inquire as to why there was a late fee and was told that they include it on all their payoff because they don't know if the payment will be made on time. I suggested that it was not right for them to collect a fee that was not yet incurred and they said don't worry, we will refund it if you are not late. I ask for a payoff statement without the fee and was told they would provide one for {$30.00}. I don't think its right for Freedom to collect a fee that has not yet been incurred and that there is no disclosure or explanation of the late fee nor is there a disclosure of the {$30.00} charge for a payoff statement.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Debt collection

In XX/XX/2014, I and my daughter went to XXXX to try the practice. A staff suggests my daughter to sign half year membership. He told us that if my daughter did not like the practice, we can cancel the membership any time. The staff filled the form and just let me sign the contract. The staff did not mention that he had checked auto renew on the contract. I did not notice the auto renew was check either.  After two month try, my daughter get hurt XXXX when jumping around in the facility. XXXX I had talked to the manager and want to cancel the membership. I had browsed to the XXXX web site to let message want to cancel the membership. The manager had told me because we had signed half year member ship, we cannot cancel the membership. After half year, our membership will be terminated automatically. 
Because my daughter got hurt every time went there, she could not go to the XXXX since XX/XX/2014. She only went there for two month, but our credit card was charged for six month. After six month for safety reason we cancel the credit card. But XXXX still keeps charging us.  When I went to the facility ask the manager, he told me this contract will auto renew. Now they want to charge us for extra XXXX.
Product: Mortgage

This is a declaration of notice of trespass upon private property and unalienable rights. These individuals have cause extraordinary inconveniences and emotional distress and financial difficulties. We have been threaten with cruel and unusual punishment by these individuals in their privacy capacity against i the living man. Our property has been wrongly label as a commercial property. These individuals have no standing too even bring such claims. We demand remedy immediately. The county record is self explanatory of our sole ownership and control of said property which is held in a private trust not within the us. We have given these tresspasser of law many chances in good faith to avoid ligation and provide remedy. In good faith we have provided communications over the last 3 years which we have been victims of fraudulent conduct and malicious intent. Thank you in advance for your time and energy we will assume you will obey the law and uphold your obligations and duties Name : XXXX XXXX On behalf of Company : Rushmore Loan Management Services LLC. 
Fax Number : XXXX Date : XX/XX/2019 # of Pages : 8 ( including cover sheet ) FROM : Name : XXXX, XXXX XXXX. 
Contact Address : XXXX XXXX  XXXX XXXX XXXX, MA XXXX XXXX ] Subject : DEFAULT JUDGEMENT URGENT : STOLEN FORGED DOCUMENT Message : Please see the attached documents. A copy of this documentation has been sent via registered mail ( Tracking No. XXXX ) with return receipt requested. A copy was also sent to XXXX XXXXXXXX XXXX  XXXX XXXX by registered mail XXXX XXXX No. XXXX ) with return receipt requested. This communication is being sent via fax as a courtesy to ensure prompt delivery. 

A release of lien and a reconveyance to XXXX, XXXX XXXX as holder in due course is required by law for the property. Please forward this communication to XXXX XXXXXXXX XXXX XXXXXXXX as they are required to provide the form for reconveyance Provide the certificate or the equivalent of the release of fraudulent lien immediately by mail to XXXX XXXX  XXXX XXXX, XXXX MA XXXX XXXX ] within 30 days. Failure to comply will result in criminal charges, complicity to fraud and liability for damages under state, federal, and international law. 



CC : Consumer Financial Protection Bureau CC : ATTN : XXXX XXXX XXXX XXXX XXXX 

Fax Number : XXXX Fax Number : XXXX Ref ID # XXXX File # XXXX THAT the REQUEST FOR DEBT VALIDATION was re sent via certified mail on XX/XX/2019 ( cert mail # XXXX, return receipt # XXXX ), and a NOTICE OF ADVERSE CLAIM was sent XX/XX/2019 ( cert mail # XXXX, return receipt # XXXX ). Finally, a NOTICE OF DEFAULT was sent XX/XX/2019 to Rushmore Loan Servicing LLC ( cert mail # XXXX, return receipt # XXXX ) and to XXXXXXXX XXXX XXXX XXXX  ( cert mail # XXXX, return receipt # XXXX ).
Product: Student loan

I have dealt with Navient for many years through college and repayment of student loans after graduating. I have had many issues with Navient with my federal and private loans over the years : 1.  The first recommendation for helping with payments when falling behind has always been forbearance. 
2. My aunt has requested to be removed as my cosigner multiple times and has instructed them to stop contacting her but she still receives calls and mail and was told that she could never be removed from the loans or being contacted. 
3. There are payments " adjusted '' on my account where a payment is made then taken out. 
4. At one time, I had multiple conversations with Navient representatives to update my checking account info and still received multiple calls reporting I was behind along with them calling my aunt who continued to ask them to stop calling her. 
5. There are late charges on my account when I was set up for automatic monthly debits through my checking account for payments
Product: Credit card or prepaid card

On Friday, XX/XX/2022, I purchased a Vanilla Visa Gift card in XXXXXXXX XXXX  I loaded {$290.00} on it and intended to use it for our trip to XXXX XXXX XXXX. I was only able to make 3 small purchases with it all totaling no more than {$45.00}. This was due to a fraudulent charge to a clothing company in XXXX for {$250.00}. I immediately contacted the customer service number on the card and was told that I could not start a dispute until AFTER the charge was no longer pending. I asked to speak to a supervisor who told me that she could not stop the charge or dispute it until after the thief successfully stole my money. And then I would have to call back to start the dispute which could take 7-15 business days to complete. And I would only receive another card if they determined that I did not make the charge. I purchased the card in XXXX it was physically used in XXXX. The fraud was committed at a store in XXXX. So I waited for the charge to no longer be pending and called back. The employee I spoke to this time told me that I couldn't dispute the charges for an additional 45-90 days as they waited to see if the money would be returned to my card. I told them that the thief i snot going to return my money and advised him of what I was told by a supervisor the previous day. Also, since speaking with the supervisor on XX/XX/XXXX, I am no longer able to check the status of my card online nor am I able to use their automated services. The online site tells me that there was an error with the system and to check back at a later time and the automated service says that there is something wrong with my card and I would have to speak to a customer service rep. And also, when I called the second day, I asked to speak to a supervisor again and was told that one wasn't available to speak to me and that they would tell me the same thing. I just want another card issued with the {$250.00} that was stolen from me. I went through their chain of command and made several attempts to resolve this issue the way I was instructed. I'm not asking for anything other than what was stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has failed to provide me with requested documentation verifying the accounts i disputed does indeed belong to me. It's gone way past the 30 day mark and still no changes to my account. They first recieved my letter on XX/XX/2018 and and respnded on XX/XX/2018. My second letter was received on XX/XX/2018. Both sent via certified mail. I just checked my report again on XX/XX/2018 and there's been no updates. I am aware of my rights under the FCRA stating for prompt deletion if and whenever information can not be PROPERLY verified and I now need assistance in resolving this manner sooner than later. Thank you.