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

I received a cashiers check from a seemingly legitimate buyer of my guitar which I had online for sale. The cashiers check was written for {$1600.00} over the asking price. The buyer ( apparently elderly, XXXX XXXX said his son accidentally wrote the check for the guitar and the moving fee ( apparently XXXX was moving ). 

I e-deposited the cashiers check ( {$3500.00} ) to my Chase checking account on XX/XX/2023. 

I did XXXX the excess money ( {$1600.00} ) to the mover. 

Shortly after that, I came to my senses and suspected this may be a scam. 

I contacted XXXX and Chase immediately. I actually contacted Chase at least 3x on XX/XX/XXXX and XX/XX/XXXX. I explained my concern. The first rep told me that as soon as the XXXX transaction shows up on my Chase account, I can call them to have them reverse it, before XXXX the next day. The next day, in the XXXX, I saw that the XXXX transaction appeared as pending in my Chase account. The cashiers check cleared at that point.

I called Chase again - two different reps assured me that the cashiers check was cleared, and XXXX of the Chase reps assured me that that meant it was legitimate and that the funds have been transferred from the bank on the check ( XXXX XXXX XXXX XXXX ) to my account. I explained that I was still in the window of time to reverse the XXXX transaction, but the Chase rep conveyed to me that the cashiers check was legitimate. I even contacted XXXX XXXX XXXX XXXX to see if they could help verify the check- they said they dont do that unless youre a business inquiring. 

I have spent countless hours contacting ( or trying to contact ) XXXX, XXXX, local police department ( XXXX XXXX, IL, with whom I filed a report ), FBI online site, FTC, Illinois attorney general office, US Postal Service investigation division, and other resources. I essentially have been told that there is no way they will catch the perpetrator ( they dont have the resources to investigate or whatever ). 

I have been a client of Chase for at least XXXX decades and have been in good standing. For this reason and for because the Chase reps provided me assurance that the cashiers check was legitimate, during a window of time that I could have reversed the XXXX transaction, I asked that they please credit my account with the {$1600.00}. They just provided me with a boilerplate, generic response and to ask XXXX to help me. XXXX says that Chase and law enforcement should help me. They all just pass the buck to XXXX another, like a hot potato.
Product: Student loan

I requested a review of my Public Service Loan Forgiveness qualifying payments in XX/XX/XXXX. XXXX has repeatedly told me they are unable to provide a date by when the review will be completed. Today I asked why 37 of 99 payments are not being credited as qualifying to my loan forgiveness. XXXX says my previous loan servicing companies stated they are not qualifying payments due to the payment not being " fully satisfied ''. XXXX maintains they are unable to provide a timely review and response because these payments were made under two previous loan servicers : 1. XXXX XXXX XXXX XXXX and 2. XXXX. I am unable to verify the information on my own other than downloading my payment history and last 3 monthly statements from XXXX. The XXXX XXXX XXXX XXXX is not operating any longer and I have no way of obtaining any documentation of payments made prior to XX/XX/XXXX. I graduated in XX/XX/XXXX and entered repayment in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The investigation results TransUnion provided is their typical generic response to every consumer.they have submitted the same response every 30 days without doing a proper investigation ( Please see attachments ). 

I am writing to formally dispute inaccurate information on my credit report and express my concern regarding your failure to conduct a thorough investigation, as required under the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, I have received generic responses without proper investigation into the inaccuracies I reported. 

The following items are inaccurate and should be corrected or removed : 1. Outdated Accounts : Accounts older than the legally reportable period ( typically seven years ) are still being reported, negatively impacting my credit score. 

XXXX  XXXX {$5100.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX. Unverified Late Payments : Late payment records have not been properly verified with original creditors, yet they remain on my report. Under the FCRA, unverified information must be corrected or deleted. 

XXXX XXXX  XXXX XXXX {$720.00} Account # XXXX Late Payment Reporting : XX/XX/year> XXXX XXXX XXXX XXXX {$8800.00} # XXXX Late Payments Reporting : XX/XX/year>, XX/XX/year>, XX/XX/year> In accordance with the Fair Credit Reporting Act your company is in clear violation under 15 USC 1681 SECTION 602 states I have the right to privacy.15 USC 1666 ( b ) states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. My privacy rights as a consumer have been violated.15 U.S.C. 1681 ( b ) - permissible purpose of consumer reports, The LAW states : ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

Did I give you written instructions to furnish this information on my credit report?

Furthermore, the FCRA 15U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions.- Except as provide in paragraph ( 3 ), the term Consumer report does not include- ( A ) Subject to Section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the following information with Experian, XXXX, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, Experian, & XXXX are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
XXXX GET IT NOW XXXX XXXX XXXX XXXX & XXXX BANKRUPTCY CHAP XXXX
Product: Mortgage

Hi My name is XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ) XXXX It all started in XXXX when my husband and I decided to invest in buying houses for a better future ( There is a lot of history behind this loan with XXXX  XXXX XXXX, XXXX and others ) I been on critical financial hardship that's we started a Bankruptcy XXXX But still not closed I'm still have the risk to go to a foreclosure our home was on auction last XXXX We try hard to do a modification last year and part of this year but they never send us packaged they all the time offer us but they never send it to us No explanation on why they can't offer a modification. A person explain to us that This LOAN is not a correct loan something is wrong with this loan. because this load was XXXX  XXXX XXXX, XXXX ( same as XXXX  XXXX XXXX ) after that change to couple Nationstar XXXX XXXX XXXX  / Servicer Mr. Cooper not sure who can help us Now our Lawyer is helping with the Bankruptcy XXXX but she don't know about real state. But my direct question is Why they don't want to help us with a modification? and why we still have the same Loan since XXXX XXXX When XXXX was sued they have to return part of the balance to the principal loan to a lot of people But except us Why? 
At the least we would like to ask what to do. To ask the Bank to help us to modified our loan or return the money we pull from our primary home to our primary principal loan Our address is XXXX XXXX XXXX XXXX XXXX CA XXXX If we can't do anything about our Principal Balance at the least we would like to try to modified. 
If I remember correct and I'm still have a letter from XXXX XXXX because I send a letter to her between XXXX and XXXX asking to review our fraudulent loans and she response to us to look for legal assistance but we never find the correct person. 
On this loan is a lot of suspicious activities like electronic escrow transactions and more Also a loan in this loans for XXXX dlls that the only Bank appears is XXXX XXXX same as XXXX The trustee for Bankruptcy try to bring them to court but they never arrived. But the lien still in our home I hope you can help us or to guide us what to do. 
If nothing what we can do because this happened long time ago AT the least we would like to know why thet denied the modification to us. 

Thank you XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

A previous co-worker stole my license and had access to my personal information and used this to rent an apartment in my name and then broke the lease and now the apartment property has put the entire debt on my credit and this has ruined my credit and is preventing me from being able to rent a new property. At the time this occurred I was not aware as I have been in the same rent house with my husband for 5 1/2 years. This occurred just 2 years ago. I have disputed these charges with the debt collectors and the credit bureaus and they are not accepting this or helping me or willing to remove it from my credit report.
Product: Mortgage

I WISH TO EXERCISE MY RIGHT TO LOAN CANCELLATION WHEN FRAUD IS FOUND 1 ) XXXX XXXX and XXXX XXXX issued a fraudulent, Federally backed, FHA loan. All of the loan statements, loan estimates and HUD statements were misleading. LENDER REQUIRED expenses were omitted to create the illusion of a lower house payment. NONE of the paperwork submitted to the Federal Government is legal, valid, or enforceable as a collectable loan note ( See Exhibit A ). This was not an accidental omission. LENDER REQUIRED ITEMS WERE LEFT OFF THE HUD. They are on their pre-closing checklist. No excuses. 

We have proven criminal intent by XXXX XXXX, XXXX XXXX, XXXX XXXX and Nationstar. How do we know? They never tried to correct the error as required by law and, instead, they used wire fraud to state they were correcting the problem while secretly attempting to foreclose on a widow. ( See Exhibit C ) 2 ) XXXXXXXX and XXXX XXXX never disputed the fact that these errors occurred ( See Exhibit B ). I believe these companies would have followed the law and refunded their portion if allowed to. They had no control over the loan according to conversations. 

XXXXXXXX XXXX and Nationstar also admit the loan fraud occurred, in writing, on their own letterhead ( See Exhibit C ). They admit that none of the paperwork submitted to the Federal Government is legal, valid, enforceable or collectable. Their excuses and claims that any of this was ever legal in laughable. 

In addition, they admit a {$900.00} a month loan went to {$1400.00} after the first year before settling in at an amount higher than my previous loan payment. I was ripped off. Period.

3 ) Nationstar DBA Mr Cooper admitted to another fraudulent act on this loan in XXXX in the Contreras V Nationstar Mortgage LLC case. ( SEE EXHIBIT D ) 4 ) Nationstar DBA Mr Cooper committed loan fraud again in XXXX. They are failing to properly credit early payments and their escrow department engaged in escrow fraud. In a bizarre attempt at accounting I received a refund check from the escrow account for having too much money while simultaneously receiving a payment increase from the same office. 

Accounting requires one or the other. An overpayment check means the payment should have gone lower. It went higher.
Product: Mortgage

Consumer Financial Protection Bureau ( CFPB ) Complaint Regarding Transfer of Inactive Loan and Issuance of New Loan by Bank of America and XXXX XXXX I am filing this complaint to request clarification and resolution regarding the transfer and subsequent reactivation of a loan that Bank of America ( XXXX ) deemed inactive, and the subsequent actions of XXXX XXXX XXXX ( now operating as XXXX XXXX ). The following timeline and facts outline the basis of my complaint : XX/XX/XXXX : Bank of America responded to a prior CFPB complaint regarding a XX/XX/XXXX foreclosure sale, advising me that the foreclosure remained in place. XXXX stated that my account was inactive and that no charges had accrued after the foreclosure sale. 

XX/XX/XXXX : Despite the account being inactive, I received a Goodbye letter from Bank of America advising that my inactive loan ( Account No. XXXX ) was being transferred to XXXX XXXX XXXX for servicing. 

XX/XX/XXXX : XXXX XXXX XXXX sent me a Welcome letter, referencing Bank of Americas old loan number ( XXXX ) but issuing a new loan account number ( XXXX ). This new loan was accompanied by a coupon reflecting a balance of {$80000.00} due on the account. 

XX/XX/XXXX : XXXX XXXX XXXX issued a Notice of Default, stating that {$80000.00} was past due and threatening foreclosure on loan number XXXX. This action occurred while litigation over the XX/XX/XXXX foreclosure was ongoing and before the matter was fully adjudicated on XX/XX/XXXX. 

Bank of America, as the transferor of the loan, clearly indicated that my account was inactive as of XX/XX/XXXX. However, XXXXXXXX XXXX, as the transferee, treated the same loan as active and placed a significant past-due balance on it, assigning a new loan number. I am seeking clarification from Bank of America regarding the following : Why was an inactive loan, with no charges accruing, transferred to XXXXXXXX XXXX  for further servicing? 

How does Bank of America justify the reactivation and transfer of an inactive loan, particularly given that ongoing litigation related to the original foreclosure sale was unresolved at the time of the transfer? 

What authority did XXXXXXXX XXXX have to assign a new loan number and claim an {$80000.00} balance on a loan that Bank of America had previously deemed inactive? 

The inconsistency between Bank of Americas position ( that the loan was inactive ) and XXXX position ( that {$80000.00} was due ) needs to be addressed and rectified. This has caused significant confusion and harm, particularly as it has led to renewed foreclosure threats on a loan that should not have been active. 

I request that Bank of America provide a detailed explanation of these discrepancies and take immediate corrective action regarding the improper transfer and treatment of this account. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX  XXXX XXXX Date XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

I sent a letter to the credit bureaus asking for verification of this collection account of {$360.00} through the physical verification of the original signed consumer contract and for all accounts that were posted my credit report to be deleted. The letter was mailed and received on XX/XX/XXXX. No information was sent to verify this account. Another letter was sent and received on XX/XX/XXXX. No information was sent to verify this account. A third letter was sent and received on XX/XX/XXXX. I also sent a debt validation letter that was received by Universal Collection Svcs on XX/XX/XXXX. I still have not received any information to verify this account or through physical verification of the original signed consumer contract with Universal Collection Svcs. This collection is negatively affecting my credit. It is unverified and needs to removed immediately and Universal Collection Svcs has failed to do this. I have kept tracking numbers and receipts for all of these letters.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports with EXPERIAN, XXXX, XXXX XXXX and discovered several inaccuracies that are negatively impacting my creditworthiness. Specifically, incorrect personal information including addresses, incorrect employer information, as well as erroneous, inaccurate, and incomplete account information including : account number, account type, high credit, date of last activity, payment history, number of months ( terms ), and date last reported. These inaccuracies have resulted in adverse consequences such as being denied credit, unfavorable loan terms, and experiencing financial hardship due to limited access to credit. 

Attached to this complaint is a copy of my credit report from MyScoreIQ highlighting the inaccuracies and discrepancies on my EXPERIAN, XXXX, and XXXX consumer reports, as well as additional supporting documentation noting the denial of credit and unfavorable loan terms instated as a result.
Product: Credit card or prepaid card

Im not sure if the specific dates. Ill have to search for the email. Credit karma pre approved me multiple times for a credit card but I was never approved. Im positive it was between the years XXXX. My credit was affected every time it said I was pre approved but I never was.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of inquiry : XX/XX/, XXXX XXXX  Date of inquiry : XX/XX/2021, XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/2021, XXXX XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX/XXXX  Date of inquiry : XX/XX/, XXXX XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX XXXX  Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/XXXX  & XXXX  Date of inquiry : XX/XX/,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$390.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX Balance : {$390.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several items on my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX and XXXX from XXXX   and transunion and sent validation letter and never received proof but was updated on my credit file as verified it's been about 6 month on going that I've been requesting verification and never did anything over 30 days has to be removed off my file
Product: Mortgage

We closed on our home XX/XX/XXXX with a perfect payment history even with my husband losing his ability to work due to his health. Then in XXXX of XXXX came Hurricane Irma which caused a financial hardship and a trickle down effect. We live in a very strict HOA and had to take care of trees and shrubs immediately. This along with the care of my husband took a huge toll on us, he did not have medical Insurance until XXXX of this year so everything was coming out of our pocket. When things calmed down from the hurricane we called our mortgage company PHH MORTGAGE and ask for help, they offered us three options one being A FORBEARANCE, A REFINANCE, OR A LOAN MODIFICATION. We ask PHH MORTGAGE to put everything behind on the back of the loan which the said they would do. We received a new coupon book with a lower payment that was to include PITI our payment was to start XX/XX/XXXX in the amount {$980.00} for XXXX, XXXX & XXXX then we had a 30 day grace for XXXX with a new modification and new payment of {$920.00} everything included. No mention of any shortage during the whole process of modification. PHH MORTGAGE contacted us after the closing documents were signed and said they now needed more money for escrow and taxes. A REAL ESTATE ADVISOR highly recommended that we investigate our mortgage due to the thousands of illegal loans and modifications done by PHH MORTGAGE where they did not follow Service Rules and they are still under indictment.
Product: Money transfer, virtual currency, or money service

I was invited to trade on a platform called XXXX. I watched for about 2 weeks before i decided to deposit money on the platform and trade. On XXXX I entered a trade and deposit the first XXXX. we traded i on and off until XX/XX/XXXX when i traded the wrong currency. They call the trade for ETC XXXX and i place the trace for BTC XXXX the traded lost it was lost at XXXX. They demanded that to continue trading i should send them the XXXX lost. I was pressured to do so for the trade to go on the next day. I sent the XXXX on XXXX but on XX/XX/XXXX they insist that they need to recover the profits from the lost. I refused and now they wont give me my capital back. The closed the account and refuse to do anything. I tried pulling the money off the platform but it says there is nothing to pull. I now realize that i am being scammed. 

Crypto.com must put the necessary blocks in place to help innocent consumers recognize scams. They should not allow transfers between personal accounts. This is the only way to help
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022 Dear Comenity Bank, I am a XXXX XXXX customer. I made several payments to Comenity Bank after XXXX XXXX transferred to another company. Please refund ALL of the money I paid to Comenity Bank! 



My phone calls have been ignored therefore I am writing this letter to you and consumer affairs. Please feel free to reach out to me to rectify this matter. I can be reached at ( XXXX ) XXXX after XXXX. My address is XXXX XXXX XXXX XXXX XXXX CT XXXX. 



I look forward to hearing from you. 



Sincerely, XXXX XXXX