23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020, purchase for XXXX XXXX XXXX XXXX XXXX XXXX, totaling XXXX.after order cancelled, seller XXXX XXXX  many weeks later, coins were fake.second dispute order for XXXX XXXX totaling XXXX on XX/XX/2020, coins were also fake.sudmited claim to credit card company.send pictures with coins weight.after refuse claim.they insisted on get paid.I even call XXXX FBI office and report fake usa coins.sellers return shipping address were also invalid.they have ruin my credit reputation.
Product: Money transfer, virtual currency, or money service

Around XX/XX/XXXX i communicated with Morgan Stanlay shareworks platform regarding my stocks sold in 2023 for my taxes, i sold stocks 3 times and in my 1099 was showing up an amount higher on each transaction for example it was saying XXXX usd and i received XXXX usd etc. So i told them that they needed to provide me with an updated 1099-b because it wasnt matching the amount of money that i received on my bank account and they also have that amount on the activities so it was just a mismatch on the 1099-b i keep calling them every week and nothing happens so im almost late to file my taxes, i have my w2 and everything ready just waiting for them to file taxes. During the process with a CS person we realized based on the exchangerates.org.uk they used the wrong exchange rate, exchange rate was XXXX and XXXX basically during the whole month of XXXX for example and they used XXXX like that for all my transactions they are using the wrong exchange rates and on top of that on the sell to cover transactions to keep it on their nominee account it doesnt even show the exchange rate used, so they are lacking a lot of transparency, i asked to file a complaint and they didnt acknowledged it, they closed my complaint the XXXX person told me because it was related to tax team so complaint team disregarded my complaint, so its been really frustrating and I cant anymore, they are not following the regulators rule, they dont care about complaints or responses, if i file my taxes or not and they are not even paying me what they owe me! I want them to Transfer me the money im being owed due the wrong exchange rates conversion used and a fixed 1099-b so i can file my taxes and i have just 3 weeks for it, so i need it done NOW, they have been on my case since XX/XX/XXXX so basically 2 months and its unacceptable, they provided a horrible service and customer experience so i want my money, my 1099-b and file my taxes without getting a penalty fee
Product: Credit card or prepaid card

I have a Milestone Mastercard. I make the payments on time, every month. In XX/XX/2021 I made a payment, then attempted to use the card a few days later. The purchase did not exceed my available credit, but the sale was declined. 

I logged onto the Milestone site, to check my account, and discovered that my most recent payment had been processed, I should have had credit available, but my available credit was listed at zero. 

I called their customer service. I was placed on a lengthy, lengthy hold- before finally speaking to someone. I described the issue and was told that I'd have to speak a supervisor. Another lengthy hold. At this point I've been on the phone for a 1/2 hour. 

The supervisor tells me that they'd spotted a fraudulent charge on the account, and frozen my credit. It wasn't a fraudulent charge, it was a regular recurring charge ( which had gone through previously ). The supervisor assured me that they'd send and email to the fraud department, and the account would be unfrozen within 3 business days. 

Three business days later, the credit was still frozen. I contacted XXXX customer service again, this time I was informed that no email was ever sent to the fraud department and it'd be another week or so before the account was unfrozen. 

It took a good portion of the month, and several lengthy phone calls to get XXXX to correct the mistake they made. The various supervisors I spoke to during this process assured me it wouldn't happen again. 

On XX/XX/2021, I made another payment, was preparing to make a purchase, but discovered the account had been frozen again. 

This time there was a twist, when I tried to call customer service ( XXXX ) XXXX, there was a recording stating that number was not accepting calls. There was no chat function, and no email address. It was as if they'd deliberately tried to make it difficult to contact them, and thereby never provide customer service. 

I had to XXXX an alternative, obscure contact number for their customer service. After another lengthy hold, another conversation with a customer service rep, followed by another hold - I spoke to a supervisor who informed me that XXXX had done the exact same thing they'd done in XXXX and sworn they'd never do again. Again I was informed by the supervisor they'd contact the Fraud department, and the account would be unfrozen within 24 hours. 

They had no answers to my questions about why it was virtually impossible to contact them directly. 

I spend more time battling with XXXX, getting them to unfreeze my account, than I do actually using the card. It's difficult to use the card, difficult to use the credit and they make it nearly impossible to contact them. This doesn't seem like an ethically run business or ethical financial institution.
Product: Credit card or prepaid card

In XXXX I paid off my balance. A couple months later ( in XXXX ) I recieved a letter in the mail stating I now how a late fee. I called and they told me I was charged for paying off the card. They waived everything and I closed my account and canceled my card. My credit report shows my account is closed but a week ago ( end of XXXX ) I recieved a letter stating I owed over XXXX dollars. They said I had been charged XXXX dollars in interest and missed XXXX payments so that is my balance. They said the best they could do was take XXXX dollars off the balance and I would pay the XXXX that remained. I told them I would not be doing that and ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX XXXX tradeline on my credit files with TransUnion, XXXX  and XXXX as the account is old and was closed in XXXX, and included in Chapter XXXX BK in XXXX of XXXX. XXXX appropriately deleted the tradeline in XXXX. TransUnion is reporting the account as " open '' and updated the status with the date of my dispute which flags my credit file as having a current delinquency and claims this was the information they were sent by XXXX XXXX. XXXX reports this account as " closed '' but like TransUnion, updates my credit file tradeline status with the date of my dispute which keeps resetting the timeframe for this account to be removed from my credit file. 

This is an old account, XXXX XXXX claims they are legally allowed to report it from the date of the Chapter XXXX BK which was in XXXX. If this is the case then the tradeline needs to be updated to reflect the last activity on the account is the date of the BK discharge which was almost 5 years ago, and they should not be adding a new BK status on the tradeline which then reports as though it is a new derogatory record. 

Please delete this tradeline for inaccuracy in reporting, it should have been removed in XXXX due to the 7 year negative reporting clause. Additionally, it was discovered that activity was seen on this account in XXXX, 3 years after it was included in BK - XXXX XXXX claimed that was an " adjustment '' on their side. However, I was never notified and only discovered it when I requested documents during my attempts at disputing this tradeline in XXXX. It has been well publicized that XXXX XXXX has committed fraud with numerous current and former customers ' accounts. I was part of the class action lawsuit, and I would like this tradeline removed and I would like an explanation for why this account had activity on it 6 years after it had been closed ( XXXX ) and 3 years after it had been included in BK ( XXXX ). 

Thank you, XXXX XXXX
Product: Vehicle loan or lease

I leased a vehicle from XXXX XXXX and turned in the vehicle on XXXX XXXX and purchased a new vehicle the same day. They took possesion of the old car ( XXXX ) with the original license plates and my new car got new plates from dealership. 

A year an have later, I received notice from the credit bureaus that I had an outstanding debt from GM Financials -- the lessor. When I contacted them, they said there were property taxes due for XXXX, which I didn't have possession for. They asked me to send confirmation that the dealer took possession of the vehicle on XX/XX/XXXX and I emailed the documentation on XX/XX/XXXX. I continue to receive calls and have this listed on my credit reports. 

On DMV 's website it indicates-If the lessee relinquishes the leased vehicle at lease terminaation, the lessee has no further obligation to DMV regarding this vehicle. Any actions regarding the vehicle after relinquishment are the sole responsibility of the lessor. 
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Product: Credit reporting or other personal consumer reports

Account Name : EXETER FIN Account Number : XXXX " According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 was unfeasible. The CFPBs findings indicate that Zellehas not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

Marcus by Goldman Sachs is holding on to my money. I have transferred it to my account at XXXX XXXX and they have called the funds back and they won't explain why. My account was fully funded. 


I had A CD maturing on XX/XX/XXXX at Marcus. I asked them to put my cash proceeds of this CD into a market money market account, which they did on the XXXX. The cash is coming from a Marcus CD and going into a Marcus money market account. 

I transferred $ XXXX to XXXX and $ XXXX to XXXX. 

BOTH TRANSFERS WERE RE-CALLED \ FOR NO REASON WHATSOEVER. 

THERE IS NO REASON that that cash was not transferred properly. The account was fully funded as you will see in the attachment. Both accounts are in my name. 

On XX/XX/XXXX and MARCUS CALLED BACK A TRANSFER DONE ON XX/XX/XXXX. 

I called Marcus to ask for help and : XXXX ) i verfied my social security number, my birthday and my secret word. No one else would have this. 

XXXX ) they told me that " they could not send me a XXXX time code '' and did not explain why. I had JUST received a XXXX time code from them to access my account, so nothing was wrong with their system. 
XXXX ) the man that " couldn't authenticate me '' said " the only way that I can authenticate you is to call you back on the phone number listed on your account '' which is ( listed above ), the only phone number that I have. 
XXXX ) of course, he never called to authenticate my account. 
XXXX ) I called Marcus again and spoke with XXXX who asked me the same authentication questions. 
XXXX ) THEN HE ASKED ME WHERE MY DRIVER 'S LICENSE WAS ISSUED. HE COULD SEE THAT I AM A CT RESIDENT. WHEN I SAID " MY DRIVER 'S LICENSE IS A CT LICENSE '' HE SAID THAT HE COULD NOT VERIFY ME BECAUSE I AM FROM CT!!!! 
XXXX ) HE SAID THAT BECAUSE HE COULD NOT VERIFY ME, I COULD NOT SPEAK WITH A SUPERVISOR AND I WOULD HAVE TO WAIT XXXX days TO RECEIVE A CALL BACK. 

IN CONCLUSION a ) they will not transfer my money which is in my account to another account in my name b ) they will not tell me whey c ) every time i try to transfer my money out, they recall it, causing me problems with my other banks. 
d ) I NEED YOUR HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

After Reviewing my Credit Reports, I noticed that there is a Public Record Bankruptcy on my Credit Report. Experian and XXXX have not verified Accuracy of Bankruptcy on my credit report. I disputed these item on my report with Experian and XXXX but they have not remove public record Bankruptcy. Im not able to get approved for any new line of credit because of this. Experian and XXXX XXXX are violating Fair Credit reporting act. The Bankruptcy reporting on my credit report has an address where I do not live. I disputed these items multiple times but they have not removed item. I contacted the Federal US BankRuptcy courts which they advised that they do not report to the credit bureaus. They do not disclose anyone Social Security or Date of Birth to credit bureaus. The Credit bureaus are in complete violation of Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, 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. 

List the account name here with the account number ( Do not list over 5 accounts and 6 inquiries ) Example XXXX XXXX number account number has violated my rights 16 USC 1681 Section 602 A states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Product: Mortgage

I filed a complaint previously ( XXXX ) about serious concerns and practices of Seterus including threatening to take funds out of my bank account without authorization. The response did not address those serious matters and the author of the letter, XXXX XXXX XXXX said she would send response to those issues. I never heard back from XXXX XXXX and was informed later she is no longer employed by Seterus. Those concerns in the original complaint have never been addressed. I applied for modification/forbearance back in XXXX 2015 and never received any notification of the status although I called to follow up many times over the past six months. I was always told it was in review. 
I spoke with representative XXXX XXXX on XXXX/XXXX/15 who represented herself as part of Seterus management and claimed to be personally working on my case. She assured me that the forbearance application was received and complete and she would personally see why I have n't received a response and would also forward the XXXX page response by Seterus sent to CFPB to answer my other concerns about what was not addressed in my letter. I received a extremely harassing call from XXXX XXXX on XXXX/XXXX/15 demanding to know ( 1 ) if I had an attorney and ( 2 ) if I ever told anyone I was self employed. I requested the conversation be recorded and questioned why he was calling asking me those questions. He repeatedly aggressively said ... " so you are refusing to answer my questions '' every time I asked why was he asking those questions. I informed him that I had spoken with XXXX XXXX in management and she was handling my case and requested to speak with her. He told me XXXX XXXX was " a nobody '' and had only been working there for two months and he had been there for a year and they both have the same position. I received a letter the next day ( although dated XXXX/XXXX/15 ) demanding payment of all past payments in less than 30 days from receipt of the letter. XXXX XXXX never mentioned there was Intent to Foreclose letter already processed and I should have received/be expecting it. I have since spoken to another representative to determine what do I need to complete the modification package and was told social security award letter and profit/loss statement ( letter of explanation ) which I sent. I have not heard anything from Seterus or acknowledgement of receipt of documents. I never received any written or verbal notification about the status of request for mortgage assistance programs. I have a made payment during this period, but unable to pay the entire amount and the date expires on Tuesday. I need help!!!
Product: Debt collection

Complaint against XXXX XXXX XXXX XXXX XXXX is Publicly traded on the XXXX XXXX XXXX XXXX under the ticker XXXX and is structured as a real estate investment trust. 

They are externally managed by in affiliate of XXXX XXXX XXXX XXXX. 



XXXX XXXX and XXXX XXXX XXXX engaged in mortgage back securities to defraud investors which is a federal crime. 



XXXX XXXX and XXXX XXXX XXXX fraudulently created mortgage back securities to defraud investors. Please see attached letter from XXXX ( Exhibit 1 ) On XX/XX/XXXX see attached notice of ownership change from XXXX claiming they transferred dated XX/XX/XXXX to XXXX pass-through XXXX XXXX. 

The letter states Its for informational purposes only and required by federal law. It also states the transfer of ownership has not yet been publicly record. ( See Exhibit 2 ) On XX/XX/XXXX XXXX fraudulently created a corporate assignment of mortgage from XXXX XXXX to XXXX not in its individual capacity but solely as trustee of XXXX pass-through XXXX XXXX see attached ( exhibit 3. ) New residential loan servicing and XXXX loan servicing created fraudulent mortgage back securities and sold it in the stock market to investors. The assignment was never recorded under city bank as trustee in Hawaii land Court bureau of conveyance. 



The consumer financial protection bureau and Securities and exchange commission should Immediately investigate XXXX XXXX And XXXX loan servicing for creating fraudulent mortgage back securities and defrauding investors which is a Federal crime. 



If XXXX XXXX is trustee for the XXXX Passthrough XXXX XXXX then new residential and XXXX loan servicing need to produce a recorded assignment in the name of XXXX as trustee on or about the closing date of the pooling and servicing agreement. 



I am asking the CFPB to immediately look into these fraudulent mortgage back securities that new residential, XXXX, XXXX XXXX XXXX and Shellpointe are engaging in. Im asking new residential servicing through CFPB ( Consumer financial protection bureau ) to provide a copy of the recorded assignment showing XXXX as trustee as required by the pooling and servicing agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex Systems is still reporting the following 2 fraudulent checking accounts internally and secretly to banks and credit unions, but constantly informing me that the 2 fraudulent checking accounts is not listed or showing on my Chex Systems Consumer Report # : XXXX, the 2 fraudulent accounts are from XXXXXXXX XXXX for {$5500.00} and XXXX XXXX XXXX  for {$980.00}. I have never opened or had a checking account with XXXX XXXX  or XXXX XXXX XXXX. The 2 checking accounts are fraudulent checking accounts.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I opened a XXXX  account Linking a wallet With Crypto.com and XXXX. I discovered that my My XXXX funding was been transferred to Crypto.com where they stated that all of my XXXX  within escrow. I never linked anything to escrow account nor did I give anyone permission to do so. I have no access to Crypto.com and each time I contact them they send me to a bot is not assisting me and I can not access the account to talk to a live agent.