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

FEDERAL TRADE COMMISSION XXXX XXXX XXXX, XXXX, XXXX XXXX 

morning_______, After receiving this email we will issue a legal warrant on your name within next couple of hours so before you do anything read this email very carefully and respond back early as possible. 

You are hereby notified that a lawsuit has been filed against you for XXXXhree serious allegations. Speedy Cash is a client of ours, and we are going to be representing them in future legal proceedings. 

The charges with Speedy Cash pressed on you are : 1 ) Violation of Federal Banking Regulation 2 ) Collateral Check Fraud 3 ) Theft by Deception This email continues with my personal information and 13 yr old address along with my social security number. This complaint states its coming by the federal trade commission. 

Finally, you have the right to hire an attorney, if you have one or if you can not afford one then one shall be appointed to you. But please make sure that you have someone to help you out regarding this case because once this case is downloaded and executed with judgments against you and if you found guilty under the bench of jury then you have to bear the court charges as a penalty and the Amount is {$8300.00} excluding your bail charges, your attorney charges and the due amount pending on your name. 
Copyright XXXX FTC| Privacy | Terms of use Thanks & regards, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been attempting to refinance my home for over two years. The servicing company select portfolio servicing has been giving me the runaround consistently for this entire time. I have submitted and resubmitted paperwork in various forms for them over and over again with no true excuse as to why they were needed submitted in another manner. They hide behind " the program requires that we ... '' And continue to ask me to provide different information. Frankly, I am uncomfortable that they do not even own the right to collect my mortgage and have contacted them requesting a QIR. I have done so by certified mail and they have not met their obligation of even answering this request. They have however sent me a paid off quote that I did not request. This was a predatory loan to begin with, and I am trying to resolve the XXXX that I have been feeling for several years.
Product: Mortgage

On XX/XX/XXXX I called customer service to make my XXXX payment with a live agent. At the end of the call the agent asked which account did I want to use between XXXX XXXX XXXX XXXX which is in my spouse name or XXXX  XXXX XXXX ( XXXX ) which is in my name. I told the agent to process against the only XXXX account that I was aware of just as I did for the previous five ( 5 ) payments without any issues. Later that week I noticed that the payment had not been deducted from my account so I took the liberty to contact Roundpoint on a recorded call in which I was informed everything was fine on their end and the problem had to be with my bank. I went on to call a few more times to Roundpoint and got the  same response. Finally, on XX/XX/XXXX Roundpoint stated through an initiated call to them my payment was returned because the agent who processed my payment on XX/XX/XXXX applied it to an erroneous account # XXXX. On this call I asked why and how did this happen. Roundpoint basically stated there were two ( 2 ) XXXX  accounts on file but never alerted to me that all of a sudden this month they would be applying to an account with all XXXX rather than the one that had been used for the last 5 payments.  XXXX will take no ownership of not even at least repeating the last 4 digits of both XXXX accounts on file. Specifically, I was never asked if I wanted to use the last 4 ending in XXXX or XXXX. I would have never told the agent to use a XXXX account that to this day I dont even know how it was associated with my mortgage and was not given a definitive explanation. Just as importantly, I need to include some ethical factors to be considered and ultimately investigated by the proper authorities. Specifically, simultaneously as I was making my XXXX payment I too was in the final phases of refinancing and the loan was weeks away from being paid off. The timing of Roundpoint applying my payment to an erroneous account that had never been used in the history of this loan creates an appearance Roundpoint was maliciously sabotaging our new loan. I and many other businesses I shared my story to in this industry find it very suspicious and convenient at how a live agent could apply a payment to an account with all XXXX.In conclusion, I along with many friends, family members, colleagues and any other interested parties will work tirelessly to get this story to all appropriate Federal government agencies including the FBI to determine if there was tampering and fraudulent actions taken by Roundpoint to report negatively on my credit report which would prevent my family and I to proceed with refinancing. In addition to reaching out to Roundpoint who takes no ownership of their wrongdoing I plead with CFPB to also investigate and turn this matter over to the appropriate authorities within your reach. 
I also believe it would be very beneficial for my story to reach all audiences to determine if this issue has happened to other consumers in the lending industry.
Product: Checking or savings account

On XX/XX/23, I woke up to go to work and tried to check my account online. I was not able to login so I reset my password. Once I was able to access my account I noticed I had 4 Atm withdrawals with four {$2.00} fees I did not authorize and my bank account was drained with - {$12.00} balance. The first withdrawal was made for {$500.00}. The 3 other charges were made for {$400.00}. I only made one withdrawal at XXXX for {$400.00} on XX/XX/23. I checked to see if my debit card was in my possession and it wasnt. I called Chime to dispute the charges. I was told from the representative that I could not dispute the charges if they are still pending. They would have to clear before I can file a dispute. The only thing he could do was cancel my debit card and issue me a new one. I checked the next day to see if the charges cleared and they did. I called Chime to file my claim. I was told I would have to wait 10-45 days for their investigation team to investigate my claim. On XX/XX/23 I got an email from them saying they have concluded their investigation and no error has occurred. I called them again and I asked if they could send me documentation on why my claim was denied. The representative told me she will send the information to this investigation team but it may take 10 days for a reply. She offered to file a rebuttal for my claim as well and I agreed. The next day XX/XX/23 I received an email for their final review and they determined no error has occurred. On XX/XX/23 I received an email for my request of documentation that was used to deny my claim. The email included only the information I provided them via phone call and the charges I disputed. Nothing else. They gave me insufficient evidence and no supporting documents on why my claim was denied.
Product: Credit card

On XX/XX/year> PayPal Finance reduced my credit limit without prior notice. This has impacted my credit score. It was reduced due to account inactivity. If informed of policy regarding account inactivity was provided before the credit line decrease I would have used the account. When I ask if I could get the credit line restored I was told it would probably get declined. The XXXX  person didnt even check my credit.
Product: Mortgage

On XX/XX/XXXX my offer was excepted and I notified XXXX XXXX of Home Funding Corporation ( XXXX, XXXX, NMLS # XXXX ) that the offer was excepted. XXXX did not lock in the rate until Friday and explained that the rates with up. Later XXXX needed additional documentation on a transfer of funds from my XXXX XXXXXXXX XXXX account to my XXXX account. At the time my computer was not working and I needed to complete these requests during school hours. ( XXXX ). He stated that he is familiar with XXXX and I can do it on my phone. Well, the only want to get a current transaction history on my phone with XXXX is to download it as a spreadsheet. I knew that my personal information will not be attached to the spreadsheet. I may have a third-party call with XXXX and was able to get access to the XXXX statement today. XXXX processed to get highly volatile and emotional on the call. I asked him to calm down, I remind him that I was his client. I tried to explain that the statement was not available until today. All of this was done in the present of my attorney. I called corporate to explain I can only move forward with someone else handling my file, XXXX XXXX XXXX XXXX XXXX agreed to handle the file. The next request XXXX was a letter about my adoption and prior address. He told me if I was to go back with XXXX, XXXX would complete those letters I needed. I told XXXX I only agreed to move forward in this process if XXXX was no longer doing anything on my case. XXXX then informed me that he could not do those letters. I asked him how much was I paying for them to provide this service to me and he told me he could not and would not share that information. The next request came from XXXX and XXXX confined that I needed to send a payment for the appraisal via XXXX that they don't take credit cards. Everything about these interactions screams unethical. I am not familiar with this process but I do feel that they are trying to scam me and others. I have saved all the emails if you would like them for your investigation. They should not be allowed to treat people in this fashion.
Product: Credit reporting or other personal consumer reports

My name as appears on my Birth Certificate and Iowa XXXX XXXX is different from the name on XXXX, XXXX and Experian credit reports. My name is incorrect on XXXX, XXXX and Experian. These names are all variations of my given name, but not my given name. I do not go by any variation of my name these names which I did not provide, and the information attached to these variations are not my information. I have attempted to address these inaccuracies and incorrect information, however XXXX, XXXX and Experian refuse to update their files with my correct information. I have not been able to prove my correct identity to these XXXX bureaus, XXXX had a incorrect birth year XXXX and no birth date, i spoke to a rep and asked how are you able to verify information with an incomplete XXXX profile full of inaccurate and inconsistencies? I mailed a letter to XXXX and they received the letter on XX/XX/XXXX and XXXX has not updated my XXXX to reflect my correct information. Experian has different variations of the name but not my name. there are addresses, phone numbers, and employers i do not recognize. XXXX is still to this date locking me out and making it basically impossible to get a response from them. XXXX has variations of the names, employers i never was employed by and addresses i have never lived at. also there are multiple inconsistencies with the XXXX file and according to law, I want the XXXX account deleted and XXXX am a government XXXX, being harmed by the malisious practices of these consumer credit reporting agencies, they are harming me financially, Personally and businesswise. I have provided all requested information in the past and still not able to verify the incorrect information pertaining to what is supposed to be a file reflecting my person, which it doesn't. The bureaus maintain their information files are correct and need to update my file to reflect my XXXX profile as it is, not as whoever provided this incorrect information.
Product: Debt collection

I received a letter in the mail today, XX/XX/2020 from Convergent Outsourcing , Inc. stating that " the records of XXXX XXXX  show that your account has a past due balance of {$5500.00}. 

Creditor : XXXX XXXX  Client Account # : XXXX Convergent Account # : XXXX Reduced Balance Amount : {$2700.00} Total Balance : {$5500.00} Convergent Phone : XXXX The letter was sent to my name and address : XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX, NC XXXX I have never heard of XXXX XXXX. I don't have an account there and never have done any sort of business with them. 

I have an outstanding credit record. 

I have been a victim of credit fraud twice before. The CFPB kindly helped me clear my name and restore my credit record. I can't believe it is happening again! Please help! 

Thank you in advance for your help. I look forward to your response, Sincerely, XXXX XXXX XXXX
Product: Bank account or service

Both Paypal & XXXX Bank failed to get a refund to me for a service ( educational, coaching, mentoring, " earning while learning offer '' from an on-line seller. The offer had a 100 percent " money back guarantee. '' Even-though the refund request was made within the designated 14 days ; neither the bank nor paypal has provided me with the refund. It 's been over sixty days and I have made numerous attempts and provided over 50 pages of supporting documents.
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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. 
You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ITEM BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. 
I WILL GIVE YOU ONE LAST CHANCE TO DELETE THE ITEM. 

Bankruptcy XXXX XXXX Date Filed : XXXX Docket # : XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX I had a personal credit expert file to obtain funding. For some reason I was getting denied even with a good credit score as well as a good payment history.
Product: Checking or savings account

I am in need of some help. On Saturday XX/XX/XXXX at XXXX my deposit of around was rejected and not completely returned to me in the amount of {$220.00}. XXXX XXXX was the ATM number. My {$500.00} deposit right before was successful but my next deposit was partially spit back out and the rest never came out as the mouth of the money feeder remained open with gears turning leaving the rest of my money caught inside and then a receipt that said my transaction couldnt be processed. I freaked out and called customer care as I was standing there. I followed up with signing a dispute paper on Monday at the XXXX Illinois branch of Associated Bank. They said the atm was audited Tuesday. I dont have a lot of money and bunch more coming out. I need my money and some peace of mind that it was located and credited to my account. I dont want to have to bank anywhere else because I have a mortgage, a car, checking savings and multiple family members accounts there but I know I will not be able to deposit my cash like this anymore. I have been assured by others that this can happen and their money was returned. I have followed up on the phone 3 times and email twice to try and get an answer about my money with their customer service. The cameras on the ATM would surely see my horror during the incident. This bank previously cost me a lot of time and angst by improperly handling my escrow account for my mortgage last year. Im so distraught and want my money available so I can pay my bills. This is such a huge anxiety riddled incident as so many have shared their horror stories with me about them and depositing into an ATM and I dont know how to get my money and peace of mind. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to formally address my ongoing concerns regarding the handling of my disputes and the lack of proper investigation into the fraudulent activity that has been affecting my credit report. 
Since 2023, I have been submitting disputes to Experian regarding several inaccuracies on my credit report, including accounts, names, and addresses that do not belong to me. Specifically, I have been working to resolve fraudulent information resulting from the theft of my car in 2023, during which my personal information was compromised and used without my consent. 

Despite providing detailed documentation supporting my claimssuch as a police report, a theft report, IRS filings, and other relevant material. Experian has repeatedly closed my disputes without adequately validating the information or conducting a thorough investigation. This lack of action has been both frustrating and detrimental to my financial well-being, as these inaccuracies continue to negatively impact my credit score and financial reputation. 

I have made multiple attempts to ensure that Experian investigates these discrepancies thoroughly, but the closure of my disputes without proper investigation leaves me with unresolved issues. To date, no sufficient explanation has been provided regarding why my disputes were closed without a comprehensive review or a fair resolution. 

As a consumer, I have a right to an accurate and fair credit report, and it is Experians responsibility to thoroughly investigate the information that is reported. I respectfully request the following actions : A full and proper investigation of the fraudulent accounts, names, and addresses listed on my credit report. 
Confirmation of my identity as a victim of identity theft, along with a clear explanation of how the investigation is being handled. 
A thorough review of the documents I have submitted, including the police report, IRS filings, and any other relevant paperwork, to ensure that they are being given proper consideration. 
The immediate correction of any inaccurate or fraudulent information on my credit report, with appropriate updates made to my credit file. 
A formal response detailing the actions taken, with clear documentation of any corrections or adjustments made to my credit report. 
Please acknowledge receipt of this letter and provide me with a written response detailing the steps you are taking to resolve these issues. I request that you promptly reopen my dispute cases and ensure that they are investigated and addressed in compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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

XXXX has alleged that XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as 30 days late, which is incorrect and now they changed the 30-day late reporting months to XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which is again incorrect. Please see below for the outline as proof as this is also based on XXXX actual statements provided to me, which clearly contradicts XXXX reporting to the credit bureaus. 
XX/XX/XXXX- {$350.00} payment posted on XX/XX/XXXX, which was only 9 days late, not 30 days late. 
XX/XX/XXXX/ XX/XX/XXXX {$260.00} Payment was made on XX/XX/XXXX, which is 10 Days Before the due date, not 30 Days Late. Furthermore, this payment included XXXX payment, which only made 19 days late, not 30 days late as noted on the credit bureaus. 
XX/XX/XXXX/ XX/XX/XXXX- {$210.00} payment was made on XX/XX/XXXX, which was 1 week before the due date and was not 30 days late. This also included XXXX payment, which was only 21 days late, not 30 days late as reported. There was also a payment of {$110.00} made on XX/XX/XXXX, which was posted on the exact due date was not 30 days late. 
XX/XX/XXXX Paid {$110.00} on XX/XX/XXXX, which was correctly applied to XXXX statement, However, {$110.00} payment made on XX/XX/XXXX was misapplied to XXXX and was supposed to be applied to XXXX, not XXXX. There was also a {$350.00} payment posted on XX/XX/XXXX, which was only 9 days late, not 30 days late. 
Equifax, XXXX, and XXXX credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n 15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied that originated from the creditors and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediate and send a letter to me confirming the removal of the 30 day late notifications. 

Sincerely, XXXX XXXX
Product: Debt collection

Dear Sir/Madam : I have wrote several letter of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : PORTFOLIO RECOVERY {$1000.00} PORTFOLIO RECOVERY {$930.00} Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from My credit reports. I demand the account be verified or removed immediately! 




If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of the court action, plus  attorneys fees. 

I have forwarded a copy of this letter to the Federal Trade Commission. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX