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

XXXX Received message regarding employment. Applied for an XXXX XXXX position at XXXX on XXXX. Inside the message I received a link. http : XXXX I proceeded to fill out paper work and await for response XXXX Received emails stating that I had been employed. First task was to complete the contract agreement and fax it over so that I could officially start work. Also was given a number of the boss XXXX XXXX we were in contact he stated he had been injured and had to work from home and needed an assistant immediately. 
XXXX First task. I received check in mail from employer XXXX. The check was provided so I could pay off an invoice. I deposited the check and was notified it would take a few days to be in the account. The invoice was due that day but the company was notified and allowed a late payment. 
XXXX Made a purchase for a {$100.00} XXXX gift card because the employer thought it would be wise to give a gift because the payment was late. 
XXXX Check cleared into my account. I paid a {$1000.00} XXXX payment to XXXX XXXX for invoice and the second payment went to a XXXX XXXX XXXX XXXX  for {$1500.00}. The {$1500.00} was a cashiers check I got from my bank BB & T which is now considered Truist. I also purchased two more gift cards which where given to Mr. XXXX. I was awaiting my check in the mail on that Friday. 
XXXX Check was returned and no longer in my account. I was alerted that the check was a fraud. Couldnt file claim until the following Monday because operations were closed. Filed claim on the XXXX. 
XXXX Called BB & T to check on claim to find it was denied. Stated I was a victim of fraud but they couldnt do anything because the check was on my account and the money was gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint today to follow up the previous CFPB complaint I submitted requesting the removal of the fraudulent items off my Credit File. I sent a letter on XX/XX/XXXX, requesting them to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX 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  ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to remove any accounts and information not later than 4 business days after XXXX XXXX. Ive already included this in my previous Complaints and I am including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently look at my credit report and noticed somethings that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXXand never heard anything back. So I sent a 30 day comply on XX/XX/XXXXand I've yet to get any feedback on my investigation.
Product: Debt collection

The company inflated all payments paid and due on the 30 year mortgage of {$1500.00} payable for 30 years and fraudulently inflated the escrow amount paid from {$1800.00} which included {$300.00} escrow deposits, they stated that it did not receive enough funds to pay the {$1500.00} mortgage note and the {$290.00} due to pay monthly amounts on said taxes and insurance. The tax yearly amount totals {$2700.00} and the homeowners insurance totals {$710.00}, both totals {$3500.00} however, when devided by the 12 months an amount of {$290.00} must be deposited into the escrow account monthly as you can see a total of {$300.00} were deposited into my escrow monthly. The company states that I should make total payments monthly of {$1900.00} of which the {$1500.00} mortgage note would be deducted and {$390.00} deposited in escrow, as you can see the company scammed various amounts of money from my mortgage account for their own purposes, case in point the company on XXXX XXXX2023 suspended payment of said mortgage note of {$1800.00} placing said mortgage in default WHY? More than enough funds where already in my escrow account to cover all expenses additionally on XXXX/2023  I deposited $ XXXX XXXX my escrow account as well.
Product: Debt collection

I took out a small business loan with XXXX XXXX XXXX in New York but I practice XXXX in XXXX Texas. We got hit by major hurricane and lost my XXXX for a month. I was unable to pay XXXX so they sold by debt to XXXX XXXX. XXXX XXXX garnished all the insurance checks owed to me for my services starting XX/XX/XXXX and continue to have them garnished. I have never be served papers or had a legal judgement against me. The have received more money than what was owed to XXXX, but state they have not received anything even though XXXX has told me they have mailed them the checks.
Product: Credit reporting or other personal consumer reports

I have submitted several disputes to Experian regarding fraudulent activity on my credit report. 

Despite providing substantial evidence to support my claims, I am concerned that the investigations have not been thorough or effective. This has resulted in unresolved discrepancies on my credit report that could negatively impact my financial well-being. 

I would like to request your assistance in ensuring that Experian conducts a comprehensive and diligent investigation into my fraud claims. I believe that my efforts to rectify this situation have not yielded the desired results, and I am hopeful that your intervention will help in bringing a resolution to this matter. 

Enclosed with this letter, please find copies of the supporting documentation and dispute communications with Experian. I believe these materials will provide insight into the ongoing issues and help expedite a fair and accurate resolution.
Product: Debt collection

I started receiving calls that were a recording saying they were a trace service trying to get in touch with me. They started calling my brother 's house also. I talked to a company called NPG and they said they are a collection service for my original creditor, XXXX XXXX XXXX. They told me that I received a {$500.00} payday loan back on XXXX/XXXX/12 and I have not paid. I told them that was not me and that I did not get a loan. They told me then it was someone close to me who used my information to get the loan and that it belong to me and I had to pay. I told them to send me a contract showing where I signed for the money. They sent me their paperwork on their letterhead stating I owed them {$510.00}. The letterhead states " NP Group '' but the first sentence of that " demand letter '' says a company called " XXXX XXXX '' has purchased my account and placed it with NP Group. I did n't apply for this loan, did n't get this loan and I 'm not paying for this. They said they tried to get money out of my checking account but were n't successful so they are demanding I pay over the phone. They are harassing me and my brother 's family and it has to stop.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY.

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX
Product: Debt collection

This account had already been disputed with you in the past through the CFPB and the case was closed because they did not submit the requested documentation and now they come with the same thing, I will have to take legal action, See Attached
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is a fraud bank where they didn't report positive activity on my credit report until it went to negative then they reported the negative. XXXX XXXX is so irresponsible that put my credit utilization way over 100 % and it's not true. I used only in between the 100 % limit. Experian is standing up for XXXX XXXX by leaving my credit utilization over 100 % on my credit report. The XXXX XXXX account are already closed why leave the credit utilization so high, I am using those cards. Both Experian and XXXX XXXX are intentionally hurting my personal credit. Experian even put a security alert on my credit without my permission and is refusing to take it off. I got denied credit due to this Security Alert and this wrong credit Utilization. Please help.
Product: Credit reporting or other personal consumer reports

After recent review of my credit report, I found that XX/XX/XXXXhad placed a negative account on my Credit file. I now question the Validity of thst negative reporting. 
First and foremost under the F.C.R.A. it is imperative for companies to accurately report to the credit reporting agencies information that is not only accurate but also precise. In this case the credit report states that there is NO BALANCE on this account. But is still reporting as negative for supposed lates during the periord that this account was open and being used by this writer. I emphatically deny that assertion by XX/XX/XXXX 
I now state for the record that I never paidXX/XX/XXXXlate at any time. Therefore if XXXX XX/XX/XXXX is UNABLE to produce PROOF that this cunsummer paid this account late at any time, this negative account must be removed from the creit report.
Product: Credit card or prepaid card

Online Scam Victim XXXX XXXX XXXX to the old credit card ending in XXXX. 

This incident happened XX/XX/2020 but I was not aware of my rights that I could contact CFPB for a resolution until now. I received an e-mail to my previous job 's e-mail address ( XXXX ) from the following e-mail address under his name and email ; XXXX The scammer acted as if he was my boss and his e-mail name was my boss 's name ; XXXX XXXX. In the email it stated that he was in a meeting with the customers and asked me to purchase XXXX XXXX XXXX of {$200.00} denomination, {$200.00} X 4 cards total of {$800.00} immediately so he can share with the customers in the meeting. Then I went to a XXXX XXXX store in a rush and panicked to purchase the cards and made the payment with my credit card. Then he asked me to scratch the back of the cards and send him the codes and I did. I was very frightened and was not aware of what was going on as I had recently started my job. After receiving another e-mail asking for more cards, I realized this was a scam and I had to stop it. I called XXXX to see if they can block the cards but after they checked it, they told me the cards were already used. They suggested reporting this issue on XXXX and deleting all the information/credit cards etc. that's possible as the scammer might have access to them. Because at this point the scammers had my personal identity ( My first name and last name as appears in my e-mails, my e-mail address, and the information of the gift cards that were purchased ) I was in a panic thinking that they would steal my identity and further credit card information so I called Chase and reported the fraud activity, asked for dispute due to fraudulent activity and cancelled my current credit card ( XXXX ) and asked for a new one. I have the receipt from XXXX XXXX and I have the scratched cards ( please see attached ). Then when I called Chase, I was told that my credit card account was closed which I think Chase should be protecting their clients instead of closing their accounts. I work with XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX and they do their best to protect their clients but Chase just closing down my account when I was actually a victim, made me very upset. I was seeking for protection but could not really feel the support from Chase and they did not refund me. To this day, I'm still paying the debt of {$800.00} + interest every month. 

Here 's the XXXX XXXX  numbers that was used ; XXXX XXXX XXXX XXXX Please see the attached documents ; Complaint Referral Form ( Internet Crime Complaint Center ) Gift Cards XXXX XXXX  Receipts Letter from Chase I kindly ask you to review this situation and have Chase refund me the {$800.00} transaction + all the interest paid since this incident happened which was made under the influence of scammers and as a scam victim as I was frightened and panicked. I'm an online scam victim and I seek protection from J.P. Morgan Chase & CFPB. Thanks! 

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

I bank with Wells Fargo. On Saturday, XXXX XXXX around XXXX I tried to buy sporting event tickets from someone who posted an ad, and I sent {$200.00} to a mobile number through Wells Fargo 's XXXX Payment option, thinking that the XXXX XXXX would have some sort of basic protection coverage and that it was a safe way to transfer money. The person who initiated the transaction never delivered the tickets and stole my {$200.00} and stopped communicating with me. We then checked from a different phone number to see if he still " had tickets '' and of course he offered the same deal to our request- continuing to scam other people. I was scammed into giving {$200.00} through XXXX and have been told that there is no way for me to get my money back, even after speaking with Wells Fargo customer service immediately after this happened, with them telling me, " No problem, we will research this and get you your money back within 1-3 business days. Please file a police report. '' And they also gave me a case number that they said we could use to check up on. We created a police report and have yet to hear anything about it. So we waited, called Wells Fargo back, and then were told that, " The person who gave you that information was wrong, and there is no such case number with our fraud division, it looks like you made a money movement claim. '' They said that if the charge was pending it was likely reversible and then we were told that was also not possible. We are now supposed to wait up to 10 business days for them to investigate.
Product: Checking or savings account

I first opened my account with SoFi Bank online on XX/XX/year>. I made a deposit on XX/XX/year> for {$3000.00} to cover my mortgage payment. On XX/XX/year> SoFi bank placed a restriction on my account due to that deposit. I called their security department several time and they finally explained that they needed more information regarding the deposit on XX/XX/year>. The agent said they can not receive " 3rd party funds '' and that is why that deposit was creating a restriction on the account. I explained that I am self employed and that is my company. This is how I pay myself is a ACH payment into my back account. They said they would review it and I would hear back but did not give me a time frame. I explained that money is for my mortgage and my mortgage payment would be late if they do not release it. They released my account on XXXXXXXX XXXX and I was able to resume my banking. I made XXXX more ACH deposits from the same account between XX/XX/XXXX and XX/XX/year>. On XX/XX/year> I made another ACH deposit for {$210.00} and the next day they restricted my account again and after seven calls they told me it was restricted for the exact same issue from XX/XX/XXXX. They said they would escalate my issue but would not give me a time frame that my account would be released. I called several more times with the exact same response. I am unable to withdraw, deposit or transfer my money from this account. I called a representative again today and she said she will escalate the situation. I explained I had called over a dozen times and was given the same response. I said at this point you have money, restricted my account while you continue a review and you are not giving me any time frames or releasing any of my money so I want to close my account. The agent told me I would not be able to close my account until the review is complete. I said I want to speak to your supervisor because this is going on two weeks you have held my money. The agent said " my supervisor will probably tell you the same thing ''. I said " I don't care what you THINK your supervisor will say, I would like to speak to him or her. The agent placed me on hold and came back to me several times saying she is trying to find a supervisor I can speak with. She finally came back on the line and said " her supervisor was a lunch and would call me back. '' This processes of holding peoples money without any resolutions and at anytime in not a fair business practice. I was unable to use my money to buy food or pay a bill and there is still no resolution and no return call from the supervisor at lunch.
Product: Checking or savings account

This is the message that Chase Bank sent me yesterday  XXXX   XXXX     2017  and they said that they were going to still charge it even this was done before the account was closed advised account was closed they would send me a bill I paid the overdraft from this account and here 's what it said I will attach a copy of letter
Product: Mortgage

My mortgage is held by Ocwen Loan Servicing. My monthly mortgage payment was {$1700.00} per month. That payment was fine.Over the past 2 years my family income has declined by about 20 %. It was getting harder and harder to make the payments. 
I requested a loan modification. on XX/XX/2019 Ocwen came back with a payment amount of {$1700.00}. I told them that a {$15.00} decrease in my payment was not going to help me.At the same time my house was damaged by weather. I received a check from the insurance company that needed to be endorsed by Ocwen. They received the check on XX/XX/2019. They still have not paid me any of that money to fix the house. The house is currently uninhabitable due to the weather damage. ( I filled a complaint with CFPB # XXXX ) to force them to give me the insurance money I need to fix the house so that I can move back in. After the modification for {$1700.00} and the fact that I am not able to live in the house I requested another trial modification. On XX/XX/2019 they came back with a new modification payment of {$1700.00}. So the bottom line is 1 ). my income dropped by 20 %. 2 ). After 2 modifications my payment INCREASED by {$7.00}. 3 ). I am unable to live in the house because Ocwen will not Give me the insurance money ( that I paid the premiums on ) to fix the house. I am currently at least 4 months behind on my mortgage as I am forced to pay for other means of housing for my family
Product: Credit card or prepaid card

I set up automatic payments and Wells Fargo continued to remove the automatic payments without my consent. This caused payments to become late until Wells Fargo decided to close account. They accepted payment for the balance despite letting me know that the account was closed. The amount was then returned back to me and sent to collections. I received a customer remediation check recently and feel that this is due to accounts being open/closed on my behalf without my consent.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES | 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: Credit reporting or other personal consumer reports

I submitted a complaint on XXXX XXXX XXXX, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). This section of the law mandates that credit reporting agencies, upon receiving appropriate proof of identity theft, such as an FTC Identity Theft Report and an official police report, must block the reporting of information that the consumer identifies as resulting from identity theft within XXXX business days. 

I have identified the following fraudulent accounts on my Experian report, and they were not promptly removed : XXXX Account # : XXXX - Original Balance : {$1300.00}, Balance : {$2700.00} XXXX Account # : XXXX - Balance : {$2000.00} XXXX Account # : XXXX - Balance : {$5500.00} XXXX Account # : XXXX - Balance : {$2700.00} XXXX Account # : XXXX - Balance : {$3100.00} XXXX Account # : XXXX - Original Balance : {$1300.00}, Balance : {$2700.00} XXXX Account # : XXXX - Original Balance : {$5000.00}, Balance : {$13000.00} XXXX Account # : XXXX - Original Balance : {$1500.00}, Balance : {$3100.00} XXXX Account # : XXXX - Original Balance : {$3800.00}, Balance : {$7900.00} XXXX Account # : XXXX - Original Balance : {$1300.00}, Balance : {$2700.00} XXXX  Account # : XXXX - Original Balance : {$2600.00}, Balance : {$5500.00} XXXX  Account # : XXXX - Original Balance : {$2300.00} XXXX Account # : XXXX - Balance : {$1100.00} XXXX Account # : XXXX - Original Balance : {$870.00} XXXX Account # : XXXX - Original Balance : {$2600.00} XXXX Account # : XXXX - Original Balance : {$870.00} XXXX  Account # : XXXX - Original Balance : {$2600.00} XXXX Account # : XXXX - Original Balance : {$5500.00} XXXX Account # : XXXX - Original Balance : {$870.00} I spoke with a representative from Experian who informed me that these accounts would be blocked and removed. However, they have not been removed, which is a clear violation of 15 U.S.C. 1681c-2. As an active member of the military, it is critical that these fraudulent accounts, which are the result of identity theft, be removed and blocked from my report immediately. My roles, especially those requiring security clearances, involve thorough background checks, including a review of my credit report. These fraudulent accounts could raise concerns about my financial stability, potentially jeopardizing my clearance and performance.