23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

My mom owns timeshares XXXX at a place called XXXX. She had been paying a monthly maintenance fee and had been researching ways to get out of the contract or sell them. 
Then one day she receives a phone call from a company called XXXX XXXX XXXX and they offer her {$56000.00} to purchase the timeshare. All they asked she do was send {$5600.00} in fee 's to the closing company XXXX XXXX XXXX and they would send her the funds from the sale. They communicate through email and they fax her official looking paperwork and my mom wires the money to XXXX thinking they will send her the $ XXXX. This whole thing is a Scam. 
Now I am trying to get her the money back and have these criminals arrested. She took a cash advances on her credit cards and can not afford to lose this money. I am just so angry with the criminals for ripping off my Mom and want them brought to justice. 
The XXXX who sent the wire asked no questions and just sent the funds to XXXX. I work in banking and we are trained conduct conversations with clients prior to sending funds to spot red flags. Had this banker done his job he would have realized this was a scam. I am meeting with the branch manager tomorrow. I also contacted the wire room at the bank and their investigations department but I know the chances are slim of getting the funds back or having an arrest made. 
My mom is filing a police report and a report with the FBI. I also called XXXX Bank where the funds where sent and they said the XXXX Bank where the funds where received is in XXXX and is separate from the XXXX Bank. I have been unable to get in touch with XXXX Bank in XXXX but am still trying.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

Below is the account that I am disputing : 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

There is information thats on my credit report that I did not consent to and I did not provide written information or instructions for the identified transactions to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified accounts are not information related to any transaction by me as the consumer : XXXX XXXX XXXX, XXXX XXXX, XXXX, US Dept of Education and XXXX XXXX. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX ( Original Creditor : 01 XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and MEDICREDIT ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX ( Original Creditor : 01 XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and MEDICREDIT ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit card or prepaid card

CapitalOne is engaged in devious and deceptive billing practices which disadvantage the consumer. Periodically they offer a balance transfer option with a % fee of the amount transferred and 0 % interest if paid off prior to expiration date. The problem is that there is no way to track the balance amounts of the balance transfes and how payments are applied. There is a total lack of transparency on the monthly statements. The Customer Service Representatives ( CSR ) freely admit that it is impossible to track using the monthly statements and that they are privy to information the consumer can not see. It is a painful process to get through the automated recordings to actually speak with a CSR. The CSR 's struggle to explain in clear, concise language and figures how payments are applied and why the transfer balances are what they are. I have been asking for over a year to have the statements updated so that there is transparency in billing, all to no avail. Recent example : I made a payment of {$1200.00} on XX/XX/2020. {$60.00} for current charges and {$1200.00} to go to an outstanding balance transfer that I am trying to pay down before XX/XX/2020. After two phone calls with different CSRs, I found out that they only applied {$530.00} to the balance transfer and {$720.00} was applied to " purchases ''. Payment for these purchases is not due until XX/XX/2020. There is nothing on the current statement that reflects how the XX/XX/2020 payment was applied, and they still billed me for {$800.00} of purchases. So, in order to pay off my transfer balance and keep current they say I owe {$1700.00} by XX/XX/2020. This amount includes the {$800.00} which they claim they applied {$720.00} against. I posit that it is deliberate, and the non-transparency is specifically designed to cull more revenue from unsuspecting consumers who are trying to pay their bills and pay them on time. If I miss the XX/XX/2020 payoff date then I will owe additional interest for almost an entire year on {$3900.00}. All through no fault of my own. To have zero transparency plus arbitrary and capricious application of payments is simply wrong. They count on consumers giving up in frustration and simply paying what they see on the monthly statement despite the fact the statements are inaccurate. How many more people like me are out there who have been duped and deceived and paid more than they needed to? They can't tell me where my {$720.00} went, only that I still owe them almost {$1800.00}. They should not be allowed to get away with this. Please stop them. Credit card companies are pillaging consumer with high rates, denying credit and reducing credit lines which affects credit scores for no valid reason all in this time of Covid with high unemployment and people not able to feed their families. Someone needs to investigate and put them back in their box.
Product: Checking or savings account

I have been receiving direct deposit from my job to the bank for a while. Last month I had stopped because my money wasn't adding up. I would also deposit extra money sometimes to save. Then I get charged all these fees. I deposit a check from a company and they approve then later they said I owe them. An employee called me a month ago and said she took XXXX out to pay for a return check without my permission. I had XXXX  that week and couldn't leave home. Last year I had security deposit box there my money got missing.
Product: Mortgage

I want to follow up on previous complaint # XXXX, due to unnecessary hold of funds to gain partial release of funds. 

Mortgage holder, TOWD Point Mortgage Trust XXXX, XXXX XXXX XXXX XXXX XXXX as Indenture trustee by assignment dated, XXXX filed XXXX as document # XXXX. 

My concern was that the funds held back to the investor was not necessary as the remaining asset was 7x more than the remaining mortgage ( per the proper appraisal submitted ) I had to agree to the payment back to the loan of over $ XXXX or the investor would not approve after 2 years of processing and major delays by XXXX ( the servicer ) When asked why I had to relinquish part of the sale to the investor, I was told by XXXX that it's because I have a XXXX loan and they are not making any money on you. 

Can I be penalized like that for being on a federal program in which I have NEVER missed a payment in over 10 years? 

Couldn't ask before as I felt I was being put into so many delays due to being disabled, female senior and held up over two years. I needed to sell this partial wooded area for the funds, knowing that it posed no risk to the investor. Financial advisor friend of 30 years has said he never heard of such a thing! 

Was I penalized for having a XXXX  loan and can banks do that? 
XXXX XXXX
Product: Checking or savings account

I'm writing to express my frustration with the service I've received from M & T Bank. I opened an account on XX/XX/year>, informing them that I hold Power of Attorney ( POA ) for my incarcerated boyfriend. After his mother 's passing on XX/XX/year>, he received an insurance payout, which we attempted to deposit into my account. Despite having the POA documentation, M & T Bank refused to accept the payout, and two payments were later successfully deposited. However, the bank then flagged the transactions as suspected fraud. I've since experienced poor communication, including unhelpful supervisors, disconnected calls, and unreturned promises to follow up. I request that M & T Bank promptly resolve this issue, verify my POA documentation, and release the frozen funds.
Product: Credit card

To whom this may concern, and I'm going to keep this one very short. 

On XX/XX/year>, I applied for U.S. Bank Business Platinum Card. I filled the application form online, completed the process and got this notice " Thanks for applying. You'll hear from us soon. We're looking over your application and may ask you to provide additional info or documents. You'll certainly hear from us by mail once we have a decision, usually in 7 to 10 business days. '' I called U.S. Bank customer support same night to be redirected to business card application however unfortunately their offices were closed. 

I called in today XX/XX/year> to get an update on the application, only to be told by U.S. Bank personnel that my application was denied because I applied with my ITIN and should only apply with an SSN. This didn't make sense to me because the application clearly stated " SSN / ITIN ( Enter your social Security number or Individual Tax Identification Number ''. 

I told him if that's the case, then there shouldnt have been a section for ITIN as this is misleading and should be taken down immediately. The best I can assume a reasonable support personnel would do or say is U.S. Bank would probably investigate this form and probably make necessary corrections or adjustments. As a business owner myself, my websites and application form should not mislead my partners and customers. And if there happens to be some sort of misleading information, I think its worth investigating. 

So, I asked him, what if after submitting my application, then I get a hard pull on my credit reports and I call U.S. Bank and the response is " sorry no ITINs ''. His response was there wasn't a hard pull so that justifies the unprofessional services I has personally received from U.S. Bank Business Section. And then kept saying " there's nothing we can do about your application ''. 

What is more vexing in this matter is that, I applied for a personal secured credit card online around XXXX, XXXX. Filled a form online that also clearly stated " SSN / ITIN ''. Was approved and serving its purpose. 

So, unless this personnel from U.S. Bank this that I am an XXXX or is simply another ignorant banker I have come across during my recent years in the United States. Then that form should state out and request accurate personal information. Otherwise, U.S. Bank collecting ITIN information from all potential business card customer just for kicks is a major problem. 

Please see attached your online application form. Apparently, it turns out my ITIN is not an ITIN and the IRS is confused according to somebody at U.S. Bank Business Application.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments Account # XXXX Dear CFPB, I am writing to formally dispute inaccurate information on my credit report regarding late payments associated with my account ending in XXXX. The reported late payments for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX are incorrect and do not accurately reflect my payment history. 
Nature of the Dispute Inaccurate Reporting : The reported late payments are erroneous. I have been enrolled in autopay for this account and have consistently made payments on time. 
Violation of Consumer Protection Laws : The inaccurate reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which mandates the accuracy of information and requires prompt correction of errors.

It may also breach the Truth in Lending Act ( TILA ) by failing to ensure accurate reporting practices.

These inaccuracies negatively impact my creditworthiness and financial well-being, and I am requesting immediate correction to avoid further harm. 
Account Details Account Number : XXXX High Balance : {$400.00} Date Opened : XX/XX/XXXX Balance Owed : {$100.00} Account Status : Open Payment Status : Current Disputed Late Payments The following late payments reported by Experian are disputed as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached evidence, including payment receipts and bank statements, to demonstrate that these payments were made on time. 
Requested Resolution I respectfully request the following actions : Conduct a thorough investigation into this matter, as required by 15 U.S.C. 1681i.

Remove the inaccurate late payments for the months listed above from my credit report.

Update my account history to accurately reflect my timely payments.

Attachments A copy of my government-issued ID.

A copy of my Social Security card.

Proof of address ( utility bill or similar ).

A copy of the affected credit report with the errors highlighted.

Please provide written confirmation of the investigation results and corrections made within 30 days of receiving this letter, as required by the FCRA. Should this issue remain unresolved, I may pursue additional remedies to enforce my rights under federal law.

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

I am unable to access the experian website despite having a PIN in my files that is still accurate, a SSN and DOB that are correct, and having called and tried all online solutions. Their website is useless and their phone system is 100 % automated and just points to their website. It is impossible to resolve this as a consumer, and experian only staffs their business customer support team.
Product: Credit reporting, credit repair services, or other personal consumer reports

NON-RESPONSIVE AND INCORRECT. My problem is what is on my credit report because you have not deleted as you are required to do BY LAW after 30 days. SO GET YOU HEADS OUT OF YOUR XXXX AND LOOK AT THE CORRESPONDENCE I SENT YOU. YOU HAD 30 DAYS TO RESPOND ... YOU DID NOT ... THAT'S THE LAW ... IT SAYS THE ITEMS COME OFF MY CREDIT BECAUSE YOU DID NOT DO YOUR INVESTIGATION IN 30 DAYS. 

Anything you respond at this point is a lie. I will sue you in small claims court for {$10000.00}.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled SPRINGOAKCAP XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Corp Solutions is claiming I owe them {$830.00} from a debt they purchased from XXXX XXXX, which I am also currently disputing. I do not recognize this debt and they are unable to provide anything bearing my signature showing that I have any contractual obligation to pay them. 

I also noticed another illegal practice ... I'm receiving calls from XXXX which belongs to Credit Corp Solutions on a private line that no creditor has and it's not listed on my credit report. They do not have permission to call this number and they only possible method of them having this number is by phishing and reaching out to friends and family. 

I've contacted the company twice to fix this error and they are non-compliant. The first attempt, they received my dispute my certified mail on XX/XX/2019. The second attempt was again through certified mail, their receipt of my dispute showing XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Experian for reporting unlawful information and accounts on my credit report. Despite numerous attempts to rectify this situation, Experian has failed to comply with federal law and I believe they need to be held accountable for their actions. 
I recently discovered that there are several accounts listed on my report that are not mine and have never been authorized by me. These accounts have negatively impacted my credit score and have caused me significant financial harm. 
I have contacted Experian multiple times to request that these accounts be removed from my report, but to no avail. They have failed to provide me with a satisfactory resolution and have not followed federal law in their handling of this matter. As a result, I have decided to escalate this issue to the Consumer Financial Protection Bureau. 
I am seeking your assistance in resolving this matter and ensuring that Experian is held accountable for their actions. I believe that they have violated my rights as a consumer and have caused me undue stress and financial hardship. I am requesting that Experian be required to remove the unlawful accounts from my report and that they be held accountable for any damages that I have suffered as a result of their actions. 
Thank you for your attention to this matter. I look forward to your prompt response.
Product: Mortgage

I have been working with PennyMac Loan svc on a Refinance They have been very rude to me and the numbers have changed every time that I have spoken to them. I do not understand why my closing costs changed from my closing disclosure dated XXXX/XXXX/2016 to my new closing disclosure dated XXXX/XXXX/16. 
Why are they collecting 13 months homeowners insurance now compared to only 2 months on my previous disclosure? 
My closing cash to close went from {$790.00} to {$1200.00} in less than 1 month
Product: Bank account or service

I am writing to inform you of my suspicion that TD Bank is using fraudulent/ deceptive business practices which allows them to collect nsf fees that are not rightfully owed. I 've tried to discuss this issue with TD bank several times and they are not willing to discuss this matter. I always check my account before I go to sleep and wake up the next morning. Yesterday I looked at my account and it said I was {$33.00} overdrawn as a result of a XXXX purchase I am on installment payments for. I screenshot the page. This was around XXXX. TD 's policy is that you will not be charged a fee if you deposit the negative funds the day the transaction is made. I deposited {$40.00} in my account on XXXX/XXXX/15 and had a {$3.00} balance after the XXXX purchase posted. Sometime during the overnight of XXXX, TD bank went into my account and changed the transaction date to show that the XXXX purchase was presented for payment on XXXX, which is a banking holiday as no transactions post on Sundays. In my screenshot, you will clearly see that the {$40.00} deposit was made the same date of the XXXX transaction. This morning I checked my account saw that Gas was presented for payment and that I was {$8.00} overdrawn. When I checked my account at lunch time on XXXX before going to the bank, TD bank changed the date of that transaction and charged me a total of XXXX overdraft fees. I am certain that TD bank is changing the dates payments are posted during the overnight while bank customers are sleeping so that they can charge NSF fees. By my estimations, I have spend over {$1000.00} in 2015 for this reason alone. I explained to the customer service rep that I did not overdraw my account and relied on my bank records to be accurate and I was basically called a liar in so many words. Please assist me as I am certain that there are many other customers who can not afford to continue giving a XXXX dollar industry more money as a result of their fraudulent practices.
Product: Debt collection

Item was disputed on Credit Report since XX/XX/2019. The item is not my account. I do have an account with this credit and I haven't open an account with this credit. 

I have asked the credit bureaus to investigate the item and company and the credit bureau will not provide written documentation or proof of a contract to me to proved that I have an account or open an account or have association with one of the company 's associated businesses. 

I have contacted the company, personally, and they will not send the documentation and they will not removed the item from my XXXX and XXXX Credit Bureau Reports.
Product: Mortgage

Good afternoon, I am reaching out today inquiring about a traumatic experience that happened to me some years ago and is past the statue of limitations period. I reached out to the fraud division years ago also reaching out to our Attorney General 's Office. Multiple times. 

I was the victim of an elaborate housing market scam in late XXXX during the housing market collapse. I was presented an opportunity with a person whos portfolio seemed solid and since I was very young I trusted them. At the time I was working for the state of Delaware as a pay grade XXXX or XXXX barely making XXXX, working with this person who informed me that flipping homes is a great investment and they would help me with whatever I needed. 

At the time I did not have much credit, but it also wasnt poor credit either, this person was able to scam and forge documentation to the point I was given a XXXX loan to flip a property at the following link. 

XXXXXXXX XXXX XXXXXXXX The person attended the closing with me, the lawyer kept asking me if I was SURE this is what I wanted, but I trusted them and said yes. After closing was complete, I never saw or heard from this person again for years. I also found out that the person who helped me was working with the seller of the home. Home was never finished, and when going to the county for answers I found that the property did not have water pipes, and was not even a residential property at all. I have found out that others have also been scammed and records show the father of the person who scammed me was the seller.

Also documents will show a misuse of my middle and hyphenated last name which proves that documents were forged.