23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear CFPB I wrote by mail to you in XX/XX/XXXX; explained below in detail. Please see summary ; On XX/XX/XXXX ; I was notified by other investors, customers and employees that my ( now ex ) business partner investor frauded the company, customers and all the funds sent by me, all the credit cards, loans since XX/XX/XXXX ; in amount exceeding $ XXXX. I also immediately contacted credit cards, credit score companies by phone ( hours spent ), loan companies, banks, and I was told this was " a civil matter '' to be brushed off and they didnt ask or go after the perpetrator who used XXXX XXXX XXXX to fraud me and others. All 11 banks and loan companies refused to help me. So I went on a search, this is not as they claim a civil matter. THIS IS A FEDERAL crime, and all the records will show that I begged pleaded with these companies, yet they continued and still continue to come after me. I then by email, mail contacted my senators, law enforcementand and law offices of XXXX XXXX in XXXX who handled XXXX XXXX case, to prosecute him. I am writing to inform you to inform all credit card companies, loan companies, credit score companies and reply to me that you received my letters. All the cards and loans in my name XXXX XXXX are used and my funds by this perpetrator, samet siper and his accomplice XXXX XXXX. I ask you to notify these banks as well. As the perpetrator committed a crime of fraud, false documentation, fraud invoices, investment scam, identity theft, tax fraud among many others, I thank you for your support in advance. You can also contact my attorney XXXX XXXX and direct these banks : XXXX XXXX He | Him | His Partner XXXX XXXX XXXX XXXX XXXX, NY XXXX T XXXX M XXXX XXXX XXXX Kind Regards
Product: Money transfer, virtual currency, or money service

This complaint is about the company XXXX ( formerly TransferWise ) which I use frequently for sending money abroad. However this transaction was between two USD accounts. Both accounts are XXXX accounts, that of myself and my sister. 

The fundamental complaint is that on XX/XX/2021 XXXX sent XXXX to an account without confirming the name on the account matched the account number. I had mistyped in the account number ( transposing the last two digits ) of my sister for whom the money was intended. Thus the funds went to an account with a name which did not match the number. 

Note that : ( i ) The receipt I received on both the phone app and the website indicated the transfer had gone to the right place - ie they contained the name of my sister. Only the emailed receipt ( which I would not normally check, but happened to see within a few minutes ) contained the name of a person XXXX XXXX who is unknown to me. Thus a secondary complaint consumers might be concerned about is that this process has leaked the name and account number of a customer of theirs. 

( ii ) Both accounts ( sending and receiving ) are accounts with XXXX. So they clearly have access to the relevant information. 

( iii ) Because both accounts are with XXXX the transfer happens instantly. They proudly announce this fact to you. When XXXX sends money to an external account it takes time and you can cancel the transfer if you notice such an error up until the time it has actually happened. Therefore the onus should be on XXXX to at least confirm instantaneous details to which they have instantaneous access if they are going to transfer instantly. 

( iv XXXX XXXX does ( presumably by law? ) confirm names on accounts for many transfers because there are varuous things ( daily limits etc ) which are different when you are transferring between accounts in your own name versus ones in other names. 

( v ) XXXX had asked for access to my contacts, and therefore could find my sister 's account via that mechanism ( which presumably would then have the correct account details ). There is no way to identify within the app whether the person you are sending to is someone you have manually entered ( and therefore should check more carefully ), or that they have automatically added to your list.
Product: Mortgage

ocwen is attempting to foreclose on my home with a fraudulent assignment. the assignment is robo signed and was conveyed after the cut off date of the trust filed with the united stated securities exchanged. i contacted them for a modification they sent a work out package i sent it back in as instructed by the relationship manager. i called them and they said they were reviewing for assistance. Nonetheless the didn't modify the loan and trying to foreclosure before even giving me an answer on the loan mod. this is dual tracking. i have a fraud affidavit on the assignments being used
Product: Debt collection

Nature of Complaint : I am filing this complaint against National Credit Systems for their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Despite my formal cease and desist request, National Credit Systems has continued to communicate the alleged debt associated with account number [ XXXX ] to consumer reporting agencies, which is in direct violation of the FDCPA. 

Details of the Dispute : Cease and Desist Request : On XX/XX/XXXX, I sent a cease and desist letter to National Credit Systems, explicitly instructing them to cease all communications with me regarding the alleged debt and to delete any reference to this debt from my consumer credit reports. According to the FDCPA, a " communication '' is defined as " the conveying of information regarding a debt directly or indirectly to any person through any medium, '' which includes consumer credit reports. 

Violation of FDCPA : National Credit Systems has continued to report this alleged debt to consumer reporting agencies despite my cease and desist request. This is a clear violation of the FDCPA. The case XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), supports the interpretation that communications made by debt collectors to consumer reporting agencies are subject to the FDCPA 's restrictions. Additionally, in XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX ), the court recognized that a consumer report is a medium of communication, thus making it subject to the same restrictions as other forms of communication under the FDCPA. 

Harm to Credit Profile : The continued reporting of this debt by National Credit Systems has caused unnecessary harm to my credit profile and financial well-being. This action has negatively impacted my credit score and my ability to access credit. 

Requested Resolution : Deletion from Consumer Reports : Require National Credit Systems to immediately delete all references to this alleged debt from my consumer credit reports with all credit reporting agencies. 

Investigate : Conduct an investigation into National Credit Systems ' practices to ensure compliance with the FDCPA. 

Cease Reporting : Require National Credit Systems to immediately cease reporting this alleged debt to any consumer reporting agencies and to remove any previous reports they have made. 

Ensure Compliance : Ensure that National Credit Systems adheres to the FDCPA 's restrictions on communication, including communications made through consumer credit reports. 

Supporting Documents : I have attached a copy of my cease and desist letter to National Credit Systems, as well as any relevant correspondence and documentation. 

Conclusion : National Credit Systems ' continued reporting of this debt, despite my clear request to cease and desist, constitutes a violation of federal law. I seek the CFPB 's assistance in rectifying this situation and holding National Credit Systems accountable for their failure to comply with the FDCPA. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

Hacker got one of our vendor 's email hacked. He requested to update their ACH information via email. We did update the ACH info per their request. He followed up on an invoice the vendor has with pending with us. We tranfsered almost {$80000.00} to pay the invoice.

Our bank is chase and the receiver 's ( Hacker ) bank is Truist Bank. 

My bank ( XXXX ) is not helping mentioning that there is no procedsure to help recovering the money bank as you authorized it to be sent.

I called the receiver 's ( Hacker ) bank ( Truist Bank ) and filled a fruad claim aginst the account. I dont konw where that went.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX, XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX  ), Contents of Complaint : I am filing this CFPB complaint to request that Equifax , pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 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 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese accounts have led to several unauthorized hard inquiries and fraudulent collections on my FICO credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. Enclosed is a copy of the FTC Identity Theft Criminal Complaint ( XXXX  ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Product: Mortgage

While helping a client with an unrelated mortgage issue with Rocketmortgage with one of their loan officers, I became aware of an affinity program Rocketmortgage has with my employer. Although I had just refinanced my home with my credit union for 15 years, the loan officer I spoke with said she could get me a lower rate for the same fifteen years at {$100.00} less per month, {$18000.00} less over the lifetime of the loan. So, I applied on XX/XX/XXXX. She set me up online and told me to watch my account and upload the documents requested on it. I immediately complied. We locked my rate until XX/XX/XXXX. I uploaded documents requested by Rocketmortgage starting XX/XX/XXXX through XX/XX/XXXX. I uploaded 31 documents in total including W2s, XXXX business and personal tax returns, business profit loss, etc. The loan officer waived a {$500.00} fee for me I assumed because of my high credit score or because of my relationship with my employer, an affinity partner. She said the loan should close relatively quickly even though Rocketmortgage was experiencing high loan volume. After some time had passed, I called her to see when the loan would be approved and the closing scheduled. She said soon and everything was on track. I called her on XX/XX/XXXX to inquire again because it was 12 days out from my loan lock date. She said she would ask her team to rush it and hold/extend my lock. I was called later that evening by a XXXX XXXX from Rocketmortgage. He said he needed a bank statement showing that I had received my tax refund for XXXX. I told him I had not received it and told the loan officer I would not receive it until mid to late XXXX. I had filed on paper and an IRS agent told me due to Covid 19, the paper returns would not even be worked to XX/XX/XXXX and expect the refund at the minimum 6 weeks after that. I told him I previously had told my loan officer that. He said he could not approve the loan without it and would not honor an extension of the lock. I would have to reapply after I had documentation of the refund. I asked to speak to a manager. I was then put in touch with another guy who told me on XX/XX/XXXX ( 18 days after I had applied ), a new rule came out saying everyone in my situation had to provide this documentation or their loan could not be approved. This was NEVER communicated to me until XX/XX/XXXX. It took them 34 days to let me know this. All the time I was speaking with my loan officer saying everything was on track, we would close on time, don't worry about anything. I continued to respond and submit documentation to Rocketmortgage through XX/XX/XXXX ( ten days after this rule was known ). My file had been suspended from processing because this documentation had not been turned in. Neither my loan officer nor Mr. XXXX told me about the requirement or suspension until XX/XX/XXXX. I think Rocketmortgage should approve my loan and honor the lock/interest rate set.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan was transferred from XXXX  XXXX XXXX to Specialized Loan Servicing Company as of XXXX. I have been dealing with this company for just about 2 months and I am at my wits end with them. They sent our welcome packet late, has to call them to get new loan number to make payment. Their auto dialer called when it shouldnt have because they can not call us to demand payment because we had been in bankruptcy and it was discharged they did this twice before I called them to tell them to stop, and advised that we pay at the end of each month but within 30 days and I advised that per our modification and bankruptcy discharge, they can not charge us a late charge then my XXXX XXXX score drops 13 points because they reported us to the bureaus when they werent supposed to called them to get fixed, I got attitude and the agents were rude. They refused to transfer me to a manager, finally was able to s/w someone in consumer escalations she said would get it fixed and she did one of the first representatives told me I would need to prove they reported to the bureaus. I checked my XXXX  score today and it dropped 65 points because they reported it again called again and spoke with XXXX in consumer escalations who was very rude and basically advised it couldnt be fixed for upwards of 45 days I need it fixed before then .. he also rudely advised me of their business policy of no external emails for security and to speak with a manager it takes 1-3 business days that is ridiculous I need my issue fixed and escalated immediately I am to the point I am going to call a lawyer and sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have put a security freeze on my credit with XXXX and Equifax has stated that they have verified my info on a public record they have obtained. I have already disputed by mail and online. They are obtaining my information that does meet fcra requirements.
Product: Credit card

I have called numerous times for an investigation as to whose bank account got added to my credit card. I finally got Citi bank to remove it but they seem to have trouble initiating an investigation. I keep getting passed back to customer service then Im told they can not hear me. They passed me to a few representatives on XX/XX/year> stating they can not hear me. However, over the course of 7 months I have asked for an investigation nearly monthly. I call in my payments and every month they ask if I want to use a bank account that is not me. Every month I ask where did that come from that is not mine. I ask every time for an investigation. I have never received information on how that back account was added to my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two fraudulent injuries reporting on my Equifax credit report which are listed below I didnt not apply or authorize these inquiries. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Receiving a Wells Fargo promotional mail in XXXX XXXX NO FEE NO INTEREST for a year, borrowed {$19000.00} on XXXX XXXX, XXXX ( has paid off the entire principle amount XXXX, XXXX 3months before the end of my promotion ). No issues till XXXX XXXX. No interest Charges etc.. Come XXXX I call Wells Fargo notify them of Address change as we moved. Despite four calls address is not changed. Mail is delivered to old address only to finally reflect the change in XXXX XXXX, XXXX. Come XXXX I see late fee and Interest charges. I call. Late fee waived XXXX Card # XXXX even though the same fee was waived by XXXX XXXX REF # XXXX, and the Interest charges was submitted for further RESEARCH # XXXX on XXXX XXXX, XXXX as to why charges are levied. No response from Wells Fargo till. Wells Fargo sends my account for collection despite raising dispute claiming the promotion started from the date it was started ( XXXX XXXX ) and not from the day of borrowing, that I was never informed, told about such a stipulation. Upon countering that If I were to borrow in the month of XXXX XXXX if my XXXX year would end even before it began and the representative answered as yes. It is deceptive practice by Wells Fargo Bank upon its unsuspecting customers that goes against business ethics, morals and humanity. 
Response in WRITING only will be appreciated. 
According to me I do not owe any charges levied by the Wells Fargo and its deceptive practice be stopped and the consumers be protected who are powerless against these giants without the mediation of your esteemed office. 
Thank you in advance
Product: Credit reporting or other personal consumer reports

On XX/XX/21 Bank of America froze my checking account with no answer they would just tell me it was under reviewed after a year later I was told it was closed due to me having a lot of incoming money and were was my money coming from and who ever send me money they were sending them the money ( they never did ) some money was from my husbands card to mine and they never gave it to him either and me and my husband went to Bank of America they would check my account and would always say its under investigation and gave me a phone number I would call and I would get answers like the will let me know and never did I called XXXX XXXX for about a XXXX or more. I asked about an account that was under my daughters name and mine and it was child support money that they said would give back and never did Bank of America kept all that and I would ask how is my account fraud? And they said it is and then even told me why my husband would use my card if he wasnt authorized I told them at that time we would put money in there he didnt have an account and we were married that if I was accepting his transaction why did it matter? They just said it wasnt under his name. So Im not sure how this account ever was fraud and why did it matter the incoming transactions I had if I told them it was for classic cars my husband had sold and were doing payments every month so it doesnt make sense how its fraud?
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. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, personal loan, or advance loan

Offered products which were not needed to get the loan and added to loan anyway when you said no.
Product: Credit reporting or other personal consumer reports

Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX XXXX : Account # ending XXXX with the balance of {$5100.00}. I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Product: Credit reporting or other personal consumer reports

Please dispute inquiry on my credit report from XXXX that been showing over long periods of time then the law requires. Ex : Bankruptcy, old loans, student loans, car loans, credit card payments, and hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax violated my privacy without my consent or authorization I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

PERSONAL INFORMATION Delete Aliases - XXXX XXXX XXXX Delete this account immediately {$1000.00} per violation Account - Federal Account Number - XXXX 15 U.S.C.1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately {$1000.00} per violation Account - Federal Account Number - XXXX 15 U.S.C.1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately {$1000.00} per violation Account - Federal Account Number - XXXX U.S.C.1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately {$1000.00} per violation Account - XXXX XXXX  Account - XXXX no account number but amount of {$4800.00} U.S.C.1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately {$1000.00} per violation Account - XXXX XXXX  Account - XXXX no account number but amount of {$47000.00} U.S.C.1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately {$1000.00} per violation INQUIRIES XXXX XXXX XXXXXXXX  XXXX XXXX Delete this account immediately {$1000.00} per violation