23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Citibank LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX CA XXXX We started this short sale on X/XX/17. We have been trying to gain closing approval for the last 3 days and have been having several issues with Citi : 1 ) Vesting -- - XXXX XXXX, the closer, demanded that vesting be changed stating that title had to be in the sellers individual name and not his trusts name per their vesting that existed when the loan was taken out. The only problem is that the loan was take out in the name of the trust with the seller as trustee ( See attached Title Report and Recorded Deed of Trust ).
2 ) Patrick demanded that the buyers closing disclosure ( CD ) be altered in a way that would be both a TRID and RESPA violation. He demanded that the closing date on the Buyers CD, which is actually the consummation date ( the date the buyer signed loan documents ) be changed to match that on the sellers CD. This obviously ca n't be done as California is not a table closing state and our lenders do not table fund. ( See page 5 of the attached Understanding TRID Forms ) 3 ) Contacting XXXX to discuss this has become almost impossible as we have been told that he no longer has a telephone and leaves his intercompany IM turned off. The only way that we have been able to get XXXX to respond to us is by calling someone else in Citi and having them walk over to XXXX building to see if he is there and ask him to actually open his emails. When this was finally done, and XXXX  finally responded, he stated that the closing date on the buyer CD is required by federal law. WE have, in fact, verified that this is a lie and that this is something his department has made up. ( Again see page 5 of the attached Understanding TRID Forms. ) Have the negotiators at Citi actually received TRID training and specifically training on how to read a buyer side CD? I can tell you the answer is NO. I should also state that we have closed over 2500 short sales ( and multiple with Citi since TRID went into effect ) and this is the first time a buyers side CD was requested.
So my real question is why is this being done? Why are we being asked to put title into a name that is not on the original loan docs? Why have demands been made to violate federal law with violations of TRID and RESPA? Is this just the attempt of someone that is extremely overworked to push a file aside for later review?
We would like answers as to why there have been multiple illegal servicing activities on this short sale file since its beginning ( Please see our CFPB Complaint Filed XX/XX/2017 Case # XXXX ). What is going on at Citi? A lack of staffing, training, ethics?
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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: Debt collection

This item does not meet the FCA reporting requirements. I dont not recognize how and why it is reporting delete immediately. I am not liable for this debt with Midland Credit Management inc. I do not have a contract with Midland Credit Management. They did not provide me with original contract or wet signature and ID verification. They should not be reporting my credit without contacting me and verification of these requested items
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my USAA account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether USAA did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of USAAs custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether USAA promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether USAA was in compliance with its own policies and procedures ; ( v ) whether USAA owed duties to myself, what the scope of those duties was, and whether USAA did not uphold those duties ; ( vi ) whether USAAs conduct was unfair ; and ( vii ) whether USAA has within its power the ability to, and should, compensate me for the harm that has befallen me. 
Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud. 
In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, USAA must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer. 
Granted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element. 
However, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most people behave in a certain way may be good evidence that the conduct is reasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of the evidence suggests that USAA did not foresee the fraud and disregarded even the most obvious dangers in this respect. 
Situations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person should be applied, and that lessons can be learnt from the errors of the past. 

Please see the attached file for the remainder of the information.
Product: Debt collection

Received notification at second home claiming to collect on a debt I didn't receive a notification about. Letter is dated XXXX, from the collection bureau of America, collecting for XXXX XXXX. Supposedly debt is owed from XXXX. Possibly for a false alarm which would have come from a law enforcement / police department, but permits are not a requirement in the state of Delaware. At least that's what I was told when purchased. This seems fraudulent
Product: Checking or savings account

received a targeted email regarding opening a consumer checking account. met the terms but still haven't been paid the promotion as of today XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Both XXXX and XXXX showing there is no 30 days late for XX/XX/2024 credit report but showing 30 days late on my XXXX report for XX/XX/2024. 30 days late was proven error on XXXX and XXXX and it was corrected but UWM is telling me to deal with it for my XXXX report. UWM reports to all 3 credit bureaus on monthly basis since the beginning of the loan.
Product: Debt collection

Capital One has violated the FDCA as outlined in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which states that a consumer report is a medium of communication and thus subject to cease and desist requirements. If Capital One continues to report I will have no other choice but to begin filing for arbitration.
Product: Credit card or prepaid card

On XX/XX/, Bank of America 's autopay system withdrew a payment of {$260.00} despite the fact my account had a {$0.00} balance as of XXXX After the autopaymentI had an account credit $ XXXX. I called Bank of America on XXXX XXXX XXXX and requested the amount be electronically refunded as soon as possible. The representative I spoke with said it would be refunded in 7-10 business days. After 10 business days I still did not receive the promised refund. I called again on XX/XX/XXXX to request the status. The customer service person told me that the previous representative made a mistake in submitting the request on my behalf. As a result it will now be refunded within 1-2 billing cycles. This could be up to 60 days. I expressed that this was unacceptable to me. The representative could not offer any solution to refund me sooner. I requested Bank of America close my account on the same XX/XX/XXXX call. The customer service representative confirmed this request with me over the phone. As of XX/XX/XXXX, my account is showing as active on their website and mobile app. It appears they did not honor my request to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix my credit due to fraud and keep having issues with someone trying to use my identity to apply for credit cards. 

I have new inquiries that were not made by me. 

XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX. 

XXXX - XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, and XX/XX/XXXX. 

EXPERIAN- XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/year> I Received A Phone Call From A XXXX XXXX From Genesis Collection Agency " Columbia Debt Recovery LLC dba Genesis NMLS XXXX ''. ( Genesis Collection Agency ) I Did Mention That If A Collection Agency Buys A Debt I Am No Longer Responsible For Set Debt And Told Him Thank You. 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 Are Responsible For Selling/Giving My Information To This Collection Agency . They Are All Responsible For Identity Theft On My Accounts. When I Spoke With XXXX XXXX XXXX He Did Tell Me That He Has My Name Phone Number Address And Social Security Number. I Told His Incompetent 's XXXX Thank You For Admitting That You And Your Company/Corporation Are Responsible For Committing Identity Theft And Copyright Infringement And You Will All Be Held Legally Liable For Damages. 

I Also Spoke With The XXXX XXXX XXXX. He Did XXXX XXXX XXXX ( Fair Warning If You Listen To The Recording ) But I Knew What He Was Doing He Wanted Me To Cease And Desist Them So They Wouldn't Be Held Liable. So I Rescinded It After About 5 Minutes In Writing Sent To XXXX XXXX Through Email When I Called Back And Specifically Asked For XXXX XXXX As He Was The First Person I Spoke To. I Did Ask Him Who Sent Him The Papers And If It Was XXXX XXXX The XXXX XXXX XXXX XXXX XXXXXXXX XXXX He Did Confirm Her And XXXX XXXX XXXX Were Both Involved. He Did Mention That ALL My Copywritten Documents Sent Via Mail To XXXX XXXX XXXX XXXX XXXX At XXXX XXXX Apartments ( Registered And Certified Mail ) They Had Them He Mentioned Quite A Few Documents, Per Each Document Is $ XXXX Dollars Its Written In My Common Law Copyright Apostilled With The Secretary Of State In Nevada. 

I AM REQUESTING THE ASSISTANCE OF THE CFPB TO RETRIEVE ALL THE RECORDED PHONE CALLS AND ALL THE DOCUMENTS GENESIS AND COMUMBIA DEBT RECOVERY HAS. AND I WANT THEM HELD LIABLE FOR DAMAGES TO THE FULLEST EXTENT OF THE STATUTES, CODES, PUBLIC LAW, ETC... I AM REQUESTING THE CFPB TO PROVIDE THE PHONE CALLS AND DOCUMENTS THE DEBT COLLECTION AGENCY RECEIVED FROM THE CORPORATIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Deposited check. Money being withheld from me for no reason. With another check coming up I dont want more of my money being stolen from me. Cashapp and XXXX XXXX  are thieves. Investigate them thoroughly. Who knows how many people are being stolen from
Product: Credit card

I purchased an item from XXXX in XXXX for XXXX XXXX It was an emerald gemstone and covered by the XXXX purchase protection. I asked the seller not to ship, but they did anyways..I spoke to customer support at XXXX, they tried to step in and confirm it would be delivered. When it was delivered it wasnt as described, the color was off, the intensity was off and the cut was just not at all perfect. There was a chunk taken out of the back that wasnt right. So then I opened a dispute with XXXX. XXXX was taking forever, asked that I work it out with the seller but then they delisted their items and disappeared- they didnt want to accept a return. I bought the item through XXXX with a credit card from XXXX. So I flagged it to XXXX after XXXX took a long time and then I disputed it with Fidelity/elan. XXXX still hasnt responded but they said XXXX said I could mail it back for a full refund. I accepted. While all of this was going on I opened a dispute with fidelity the credit card company so that the charge wouldnt process while all of this was being figured out. I provided the tracking number and everything. Instead fidelity reversed the charge a day before the billing statement would be paid in full and mailed me letters saying they needed more information and threatening consequences if the item wasnt paid for. I called representatives again at fidelity this morning. I had already given the tracking number a month ago and first they claimed I didnt mail them a form back- then I spoke to someone else and she- XXXX- said that the lady I previously spoke to never included the tracking information or any other information. This all feels like a big scam. Again its more about the principle. Ive provided information promptly to XXXX, XXXX and finally fidelity/elan. If they did an investigation wouldnt the other entities give them this information?
Product: Checking or savings account

XX/XX/XXXX I went to Truist Branch ( XXXX XXXX XXXX XXXX ) and met with XXXX XXXX to transfer {$50000.00} from my savings account into a money market account. That day I was not happy with all the very bad customer service I had received from Truist since they had taken over BB & T. I let XXXX XXXX know of the many poor customer service incidents. When I asked what rate Truist would offer me, XXXX said " he wasn't sure and it it all depended ''. So, I asked depended on what? I told XXXX XXXX, that I had been a customer there for more than 20 years, had a credit score of XXXX, and was going to put {$50000.00} into the money market account. So, what would my rate be? It took XXXX XXXX over XXXX minutes of working on his computer and walking in and out of his office to finally state " I can offer you 4.5 % ''. To this I told him that 4.5 % was a horrible rate! I further stated that I could go to any number of banks and get 5 %, 5.15 %, 5.30 % or more. I even showed XXXX XXXX the letter I had from XXXX XXXX XXXX guarantying 5.30 % until XX/XX/XXXX. Well, even though the rate Truist was offering was awful, I told XXXX XXXX to go ahead and transfer the money and open the money market account. I additionally, advised XXXX XXXX that I would be ultimately closing all of my accounts at Truist because of all of the previous bad service ( which I will not go into ). XXXX XXXX did show me a paper that stated 4.5 % was my rate. However, he never gave me that piece of paper. The XXXX forms I received when I left his office were XXXX. Truist One Time Transfer XXXX XXXX. Truist Checks XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. Switch Your Draft/Payment Close Your Old Account Forms. I was never given a RATE DISCLOSURE FORM!! This is ILLEGAL!!! When checking my money market account I saw that the rate was only 3.9 %???? WHAT they XXXX!!! This is FRAUD!!!!! On XXXX I went back to the XXXX XXXXXXXX and spoke with XXXX XXXX. I advised him of everything that had taken place and of just how angry I was with Truist and the FRAUD They were committing. XXXX XXXX emailed the Branch Manager who was meeting with other customers. In response the Branch Manager offered to increase my rate to 4 %. I responded with " XXXX NO!!! '' " This isn't Let 's Make A Deal '' Truist doesn't get to lie to customers and defraud them of money they owe them, and then try to negotiate a lower percentage than the already awful rate I was given on XXXX.
Product: Mortgage

I brought my principal threshold leas than 80 % to waive PMI but still mortgage company is not taking any action.
Product: Credit card

My wife and I went into a Kay Jewelers Store to purchase our wedding rings XX/XX/2016. We were planning on putting a deposit on the rings to hold it, and then we were planning on putting the rest of the money to purchase it XX/XX/XXXX. When we told the sales representative what we were planning to do, she advised us to just put down XXXX % and to put the rest on my Kay 's credit card. She told me I could pay the rings off in 12 months with interest-free payments. I wanted to be sure I could afford to pay the ring off in a year so I asked how much the payments would be, she informed me the payments would be {$220.00} a month. I told her I did n't have the XXXX %, so she advised me to put the entire amount on the credit card and to come back with the XXXX % before 30 days and they would apply it as the down payment. So, I decided to take this route because I knew the payments would only be this high for a year. So, my wife and I put down XXXX % for the rings, which was a little over {$700.00}, and we started paying the $ XXXX monthly. After a few months of making these payments, I started to notice that the balance was not going down as much as it should 've been and we only had a few months left of payments to pay these rings off. So, I decided to do some research and I realized that I 've been paying interest on these rings since I bought them. I reached out to Kays and explained the situation to them and they basically told me that the sales rep put the XXXX % down as a payment instead of a down payment, and that I was at fault because I should 've been reviewing my statements. They did not try to help me or try to find a solution. I explained to them that a Kay 's sales representative reassured me that my payments were going to be interest-free for 12 months and they gave me the exact amount of my payments. As a consumer, if the payments were the amounts they told me, of course, I would think I 'm paying my rings off interest-free. This is serious because they told me something that was false and they are not taking ownership of a mistake THEY made! I feel so unvalued as a customer and I feel like this is not something that should be taken lightly. On top of that, I am stuck making high payments until this card is paid off. All of this could have been avoided if the representative did n't give me false information.
Product: Mortgage

XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , NC  XXXX  Property was missing critical and costly disclosures to new owners ; There exists a  4  foot diameter by  30  foot length pipe in a very long easement on the property. Former owners should have disclosed the problem area and future maintenance obligation. New owners are stuck with a sinkhole and a failing and costly Storm pipe repair. Will title insurance protect us from these costs? This seems like a huge ethical issue going forward. New buyers in my neighborhood should be informed of this huge cost before purchases, not after.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Southeast Toyota Finance has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Dear to whom may this concern : I am not liable for this debt of {$320.00}. I do not have a contract with XXXX XXXX XXXX. 

XXXX XXXX XXXX has concluded that I do not owe this debt and this debt is not mine. 

Under 15 USC 1692c- XXXX XXXX XXXX XXXX XXXX the consumer can refuse to pay a debt collection. 

Please DELETE this from my Transunion credit reporting profile. Your company is furnishing inaccurate information to consumer reporting agencies. 

The reporting of such inaccurate information has caused severe damage to my character l, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 

Your company 's inaccuracy has damaged my livelihood. DELETE this inaccurate information from my consumer reporting profile in the next 30 days.
Product: Mortgage

My situation is critical, I am a senior, age over XXXX, an American citizen and a victim of a huge scam including my personal savings value of {$90.00} plus my credit card value of XXXX plus two mortgage loans {$57.00} and {$54.00} from Figure Lending company. I was scammed by to men introducing themselves as the government representatives. According to them they were investigating my case advising me to empty my account from the XXXX XXXX and purchase bitcoins as my future protection. After that they have advised me to increase a value of my credit card from {$2.00} to {$10.00}, and applying for two mortage loans, for them to fully succeed of catching a thief ( s ), so I did. I have invested everything to bitcoins machines. They assured me every day, that as soon as their investigate is over the money of my credit card and the money of my loans will be returned, there is no need to worry, they only do their job. Today I know their names were fake, plus their phone numbers we fake as well and money was not returned. Help me please, I am a good person, a widow, who has lost her beloved hubby XXXX years ago and this situation is the second shocking time of my life. I nedd your help so badly.The total scam is {$210.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information being reported. According to 15 USC 1681 e ( b ) maximum possible accuracy must be reported on my consumer report. In my photo I show where the info isnt the same on each.