23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On Wednesday XX/XX/2021 I was given a job offer for XXXX in XXXX XXXX XXXX, MN. The job offer ended up being a fake job and the scammers are using the identity of a man named XXXX XXXX. The scammers sent me a check for {$6500.00}. I was to deposit that money into my bank account, which I did on Thursday XX/XX/XXXX, and pay a third party for the equipment to do the job, which I did on Friday XX/XX/XXXX. I was told to pay the amount of {$6000.00} into an account for the computer equipment and to XXXX {$550.00} into a separate account for training. The original check for {$6500.00} ended up bouncing and upon discussing the situation with members at the XXXX bank in XXXX XXXX XXXX and the US Bank in XXXX XXXX XXXX we believe that this was a fake job scam. 

The account that I deposited the {$6000.00} into was an account with XXXX bank belonging to a XXXX XXXX. Account number XXXX. The XXXX account belonged to an XXXX XXXX. His account number is XXXX. I am unsure which bank this account is associated with but I believe that it is US Bank. Both of these counts belong to scammers and the reason why I am writing this complaint is to have these accounts looked into. I have filed a report with my the XXXX XXXX XXXX police department. The case number is XXXX. I also filed a report on the scammers with the FTC. I was told that filing a report with the CFPB would also be a necessary step since this is a banking issue. 

I have spoken with US Bank several times regarding this issue as well as XXXX bank. 

I have included the bank statement with the dates and transaction orders below. I have also included a picture of the fraudulent check as well as pictures of the cashiers check receipt and the money order receipts.
Product: Checking or savings account

On XX/XX/2023, {$40000.00} was taken from my XXXX savings account and transferred to a fraudulent savings account in my name at Goldman Sachs XXXX Marcus. I did NOT open a savings account at Marcus. A few years ago I held 2 certificates of Deposit at Marcus but they matured and, as far as I knew, the accounts were closed. I subsequently learned that {$40000.00} held by Marcus was then transferred to a bank in Iowa - XXXX XXXX XXXX XXXX XXXX When I called XXXX XXXX XXXX the officer a the bank told me that she had found the deposits. She strongly suggested that I file a report with my local police department. 

see the attached XXXX statement showing the transfer of {$40000.00} to Goldman Sachs
Product: Mortgage

Chase Bank took over my mortgage from Guaranteed Rate. I called them because they increased my mortgage. I spoke to a rep from Chase and she told me not to pay the increased amount until the issue was investigated. I followed the instructions and Chase charged me with being late and says due to that I can not have my PMI taken off until 2027. I have never been late in the total time I had the mortgage. This is a form of robbery with the PMI.
Product: Credit card or prepaid card

XX/XX/2017 Statement attached. I never signed up for Debt protection nor had I ever noticed being charged in varying amount ( XXXX dollars ) over the many years I have had it. 
They sent me a letter telling me that i could cancel it but could not get a refund because I had signed up for it. I never signed up for it. I never would sign up for such a thing. They offer no proof because it is simply not true and this seems to be a common occurrence. Best buy also runs you around saying its not them or citi bank. That it is a third party company which is all just a run around. 

This is stealing down to its core.
Product: Checking or savings account

Dear Sir, OnXX/XX/2018 I filled out an application for investing in certificate of despite accounts for {$200000.00} Penn Fed Credit Union automatically checks credit which effects my credit score. When I contacted them about my application. They had no record of it. They said I would have to apply again and my credit would have another hard inquiry. They also informed me that they keep these on line applications for 90 Days. Well again they don't have mine. They offered me no solution. I made two attempts to have this resolved by phone. I could write a certified letter however I believe this is unfair so I'm hopping CFPB can help. My credit score is excellent and I want it to stay that way. I am XXXX yeas old and have maintained excellent credit all my life. XXXX is involved.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block Inc ) due to in adequate customer service and unfair practices which violated the consumer financial protection act. Specifically cash app failed to take timely XXXX effective measures to prevent And address on their platform
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB Lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers and users but has also allowed repeat offenders to exploit their systems, leaving their users vulnerable for theft and scams. The lack of responsibility and accountability is unacceptable and raises my concerns about further use and safety for users.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX wrongfully reported to all three credit bureaus that I had an overdue credit card balance of XXXX XXXX. This information was incorrect. I have reached out to XXXX on XXXX different occasions once in XX/XX/2022, and once again in XX/XX/2022. I was informed that the wrongful reporting will be removed from all three reporting agencies. Unfortunately, it was only removed from XXXX, XXXX. Currently my XXXX score is XXXX because it does not show the incorrect late credit card payment. XXXX XXXX and Experian shows my score in the low XXXX because the incorrect late credit card payment is still showing on the reports. Ive reached out to Experian and XXXX XXXX for assistance in this matter and I have yet to hear back from them. XXXX has not been much of a help Either. any assistance in this matter will be greatly appreciated.
Product: Mortgage

I was charged an escrow shortage on my Escrow review period XX/XX/XXXX - XX/XX/XXXX of XXXX through the company XXXX, I paid that shortage in one lump sum on XX/XX/XXXX to avoid having a large monthly payment of XXXX. The payments did go up slightly from XXXX to XXXX, but it was to balance the escrow going forward as this was for a new build home and property taxes were severely under estimated. The loan company continued to try to run the auto-payment for the amount shown on the escrow review as if I didn't make the lump sum payment, XXXX. They eventually resolved the amount taken in my autopay, however they charged me fees for the issue which they stated they would credit off my account, but never did. I called and every time they said they are taken care of, but it would appear on each statement. 

The company changed from XXXX to XXXX XXXX. XXXX XXXX sent an escrow review on XX/XX/XXXX. The review was wrong right from the start, as it showed my " current payment '' as XXXX, which was the amount from the last review if I didn't make my shortage payment, which as I stated before, I did make that shortage payment in full. 

It also shows charges for FHA loan and PMI. I do not have an FHA Loan, I have XXXX  XXXX Loan. I do not pay traditional PMI, I pay XXXXMI and those payments were set in my amortization schedule I received with my closing documents. 

The main issue causing the shortage is the difference between PMI I'm being wrongfully charged for XXXX and XXXX MI which was supposed to be XXXX per my amortization schedule. My property taxes also went up slightly XXXX, my homeowner 's hazard insurance with state farm stayed exactly the same. So my shortage should have only been around {$100.00}. 

I have contacted XXXX  XXXX 's customer service who told me the PMI and FHA charges are correct, however I have my loan documents and I not sign for a FHA loan with traditional PMI, my documents specify this is a XXXX  XXXX with XXXX. 

Please review this, I will attach my Escrow review from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; 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 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: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00} ; XXXX XXXX XXXX XX/XX/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 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  XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter on XX/XX/2022, to Transunion to remove the accounts below 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/block any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this in my previous XXXX XXXX & I am including it again XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My wife received a phone call regarding medical bills and my daughter 's private XXXX XXXX XXXX that she had discharged in her BK They asked for me and then said I owe the debt for 2009 They did have a judgment against me for 7 years Now They just sent a certified letter saying I owe $ XXXX and have to be in court on the XXXX of XXXX. I would assume that the statute of limitation is up but I'm not a lawyer
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed fraudulent accounts on my credit report with XXXX, TransUnion and XXXX in writing twice. I requested that XXXX, TransUnion and XXXX send me DOCUMENTED PROOF OF VERIFICATION of the fraudulent accounts as per 15 U.S.C. 1681g. Additionally on XX/XX/2017 @ XXXX I spoke with a Supervisor by the name of XXXX XXXX of TransUnion over the phone and verbally requested DOCUMENTED PROOF OF VERIFICATION. I specifically asked verbally and in writing for the DOCUMENTED PROOF TransUnion has on file proving that the fraudulent accounts were properly verified in accordance with Federal Law at 15 U.S.C. 1681 g, i and 616 and 617. <P/>Today I sent my THIRD request for DOCUMENTED PROOF as per 15 U.S.C. 1681 g, i and 616 and 617 from TransUnion and XXXX as the fraudulent accounts remain on my credit reports 30 days after my request for DOCUMENTED PROOF and I have STILL not been sent the documented proof requested in the first XXXX letters. <P/>I have fraudulent inquiries that I request be removed as they are not linked to any accounts on my reports and were fraudulently made by identity theft.
Product: Mortgage

I submitted an " error notice '' to the mortgage servicing company regarding a payment they applied to the wrong loan number. They sent a letter after some time acknowledging the mistake, but claiming they will be reversing and reapplying all charges from a date one month before up to the present. They then calculated that they only owe me a refund that is {$660.00} less than the amount of the " misapplied '' loan payment. 

They sent me the check in the amount of {$1200.00} and at the same time, sent me a NOTICE OF DEFAULT AND INTENT TO ACCELARATE stating I owe them {$1100.00}, made up of the {$1200.00} minus a {$160.00} Corporate Advance balance.
Product: Checking or savings account

I am writing you to let you know how bad Chase handle customer issue and withholding customer fund ( probably illegally ) I have Chase credit card for more than two years. 
I recently go to their branch ( XX/XX/XXXX ) and open a new checking account successfully. However, a week later, I found that my online access has been locked completely. I spent half an hour on their toll free number with no result and was told to go down to their branch. After wasting so much unnecessary time, I was told that I need to provide my social security card and a letter from social security office before they can unlock my account. This is the most radiculous because I have had more than two years of banking relationship with Chase by holding one of their premium credit card. I told them that I am more than happy to produce my passport, my social security card, I really have no time to go down to Social Security office to ask for a letter. Furthermore, I have opened checking account with more than two other banks in the past 4 years and have never heard of such radiculous request. 
At the end, I told the branch that I rather just close down the account and have my money back. However, they hold my money hostage. I deposited $ XXXX on XX/XX/XXXX and they can not release my fund until at least after XX/XX/XXXX. Is this even legal?
Product: Student loan

My loan balances are incorrect. I have addressed these issues with my lender and national data base. I have paid over XXXX on my loan plus payment on interest when I was in school. I constantly being taken advantage regarding my loans now they have move my loan to another servicer so I can remain further in debt to capitalize on a that should have been paid off. This is called loan sharks. I'm about to loose my home, car and everything due to all the fraudulent activity they have done on my account. Sallie Mae fraudulently consolidate a loan without my signature then Navient takes over put my account in forberance into default. Then Navient sells my account splits it up like I have serveral loans to capitalize on money under their umbrella companies. They never offer me any kind of assistance to help me with my situation. I'm a single parent who only took a two loans totaling XXXX now they got me paying higher interest and tons of fees. They took advantage of me a consumer who only took out what I needed not thousands of dollars in student loans. XXXX XXXX is my name not XXXX XXXX cause she doesn't have any loans. My email address is XXXX. please help me with the predatory loan sharks.
Product: Vehicle loan or lease

On XX/XX/2020, I received, in the mail, my new vehicle account information and the bank holding the loan, Wells Fargo. I completed the information needed for " XXXX '' banking to allow me to utilize the internet to pay my car loan. With the information requested, I was assigned an online account. But in the account, I was also access to an account that was not mine. I had access to this person 's checking account information to include bill paying access, amount access, etc. The person 's account information was related to me, however, this person 's account had to direct correlation to my vehicle loan and/or personal information from my relations. Somehow, Wells Fargo managed to merge the person 's checking account into my vehicle loan account without my permission nor the checking account holder 's permission. I called Wells Fargo and they directed me to their division that handles the online account services. " XXXX '' who was the representative that assisted me asked me several specific questions to include personal information. My question for him was, " How did my information cross over to the checking account that does not belong to me? '' I criticized him on the security of their banking facility and he said that his banking facility is very secure. I explained to him that it was NOT secure enough to differentiate between a non-checking account holder in the other person 's account to my account. With this mishap, I question the bank 's legitimacy and their policies and/or procedures in allowing this to happen. I would like an investigation be conducted as to possible fraudulent practices that Wells Fargo may have going on, if this action falls within the scope of fraud and/or failure to secure personal information of the account holders of Wells Fargo.
Product: Credit card or prepaid card

Charges made to XXXX XXXX XXXX in XXXX I live in XXXX got an email to let me know fraudulent charges. Submitted online and they are still charging me {$45.00} for something that was not me
Product: Credit reporting or other personal consumer reports

EDFINANCIAL Account Number XXXX {$7000.00} EDFINANCIAL SERVICES Account Number XXXX {$3800.00} EDFINANCIAL SERVICES Account Number XXXX {$2900.00} EDFINANCIAL SERVICES Account Number XXXX {$3200.00} EDFINANCIAL SERVICES Account XXXX XXXX {$2900.00} 15 USC 1681 Section 604 " States rights to consumers privacy ' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I went to a furniture store to get furniture at XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX NY XXXX XXXX I was approve for XXXX dollars on XX/XX/2019 approval number XXXX in which they ask for you checking account information, I gave it to them cause I Needed at that time the credit and the merchandise, I was told they will be deducting this money from my checking account which I agreed to, I Told the person who was handling my case that my basement apartment had a leak in the ceiling and that my Landlord will be fixing the leak that week cause I didnt want my new bed to be ruined they said ok let me know when you need delivery meanwhile this money is taking from my account I agree cause I just knew that I was going to receive what I put in an order for, I went back to the store to let them know my landlord fixed the leaking ceiling, I was told we dont have a delivery drive who could assemble your items in which I put that in as well that I need assembly, I said ok when do you think youll have someone they said give it a week we will Contact you so I Did I call one day to see if they had someone to deliver my items no answers I kept calling no answer then I went to the store and it was closed, as COViD came in I Couldnt do anything it on my credit with ACIMA and I NEED IT TO BE OFF
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of ID theft I took the legal advice I was given to send in report to Experian credit bureau with reports and my identity on XX/XX/XXXX and the XXXX after then mmm saying I didnt resend my drivers license the first time without my drivers license. So I called 5 different times and everyone I would get told different stories. The last time I talked with an agent was on XXXX and she told me that the fraud accounts were sent in for dispute through the furnishers, previous rep told me before her than the accounts she have been blocked immediately due to the proper documentation being sent in. To my knowledge its the law that if consumer send proper legal documents in they have to comply Experian? So XXXX  and XXXX  did there part of the information Experian shared with them. So the next day after talking to the Experian rep, I get an email saying that all the account disputes were updated, how were they updated if they were sent to the furnishers for Verification? Im being lied to and they are harmfully hurting me for these ID theft accounts I didnt do. I contacted FTC, attached is screenshots