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

First, my name is XXXX XXXX XXXX, Attorney at Law, XXXX XXXX XXXX. I present this complaint on behalf of my client : XXXX XXXX XXXX XXXX, Trustee of the XXXX XXXX XXXX XXXX XXXX. My client is currently XXXX XXXX XXXX. 
XXXX. On XX/XX/XXXX, my client closed on the sale of income property in XXXX, AZ. 
XXXX. On XX/XX/XXXX, my client closed on the sale of 2 additional income properties in XXXX, AZ. 
XXXX. My client received proceeds from these 3 transactions in the amount of {>= $1,000,000} dollars. 
XXXX. These proceeds were provided by XXXX XXXX XXXX in 2 checks. 
XXXX. The XX/XX/XXXX closing check for {$140000.00} was deposited on XX/XX/XXXX at Chase Bank and the XX/XX/XXXX closing check for {$230000.00} was deposited on XX/XX/XXXX at Chase Bank. 
XXXX. On XX/XX/XXXX, one day after deposit of transaction No. 1, above, two unknown and non-client authorized wires were received in the amounts of : {$0.00} and {$0.00} from an unknown requestor. 
XXXX. On the same date ( XX/XX/XXXX ) her account was debited via wire for {$0.00} and {$0.00} cents but NOT authorized by my client. The Chase Bank Statement indicated that a firm named : XXXX XXXX XXXX MI XXXX XXXX Web ID : XXXX were the wire in and wire out entity. 
XXXX. My client did not authorized this wire test. 
XXXX. My client has NEVER initiated or received a wire on any bank account in your life. 
XXXX. Finally, on XX/XX/XXXX Chase Bank wire transferred {$330000.00} from my clients account noting her account as : XX/XX/XXXX Manual Db-Bkrg XXXX leaving a balance of {$.00} cents. 
XXXX. On the date of this unauthorized wire transfer, a representative of J.P. Morgan, Chase Private Client, a XXXX XXXX XXXX XXXX, XXXX, Vice President-Investments, Private Client Advisor, telephoned my client in the afternoon prior to closing to advise her that " all of her money was gone. '' XXXX XXXX was not able to articulate why or where my clients disappeared so my client immediately drove to the ( XXXX XXXX XXXX. XXXX ) branch office and confronted XXXX XXXX over the loss of all of her funds. XXXX XXXX offer no explanation other to refer my client to the fraud department that was already closed for the day. 
XXXX. Since this incident, my client has felt such shame and dismay for this unexplainable loss of her retirement money that her shame has resulted in introverted depression and denial. It is not until a friend of my client inquired about the sale of her properties was she able to confront the reality of the loss of $ XXXX of retirement funds. 
XXXX. There are unanswered questions that only the FBI has the tools to answer before we formally engage Chase Bank. 
XXXX. I would like to provide the full paper trail of this crime in order for the tools of the FBI cyber unit to forensically review these transactions. 
XXXX. My client is an elderly female, completely distraught over this matter and is seeking answers initially and recoupment eventually of these funds. 
XXXX. Please contact me : XXXX XXXX XXXX, Attorney at Law, XXXX XXXX XXXX, XXXX, CA XXXX ; XXXX : XXXX ; Email : XXXX for coordination. 
Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account on many occasions this account is in Litigation with 32 states on agreement of the lawsuit this account should be deleted from all bureaus its deleted from XXXX. But Experian and XXXX wont delete it ... I have documents from my Attorney General and screenshot pictures of this account removed from XXXX  ... Im filling a complaint on both Bureaus Experian and XXXX  the account is XXXX XXXX this company is known for subprime loans they give large interest rates loans to customers that cant make payments with low credit scores. Inaccurate reporting to bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This in regards to a vehicle from XXXX XXXX with an open auto loan through XXXX XXXX  XXXX XXXX act # XXXX. XXXX XXXX did not provide me with Truth in Lending. This is a clear violation of my consumer rights. If they provided me with TILA then I would have known that the alleged vehicle was not funded. XXXX XXXX provided me with a vehicle on or around XX/XX/2022. I did not have full amount that they were asking for but they still allowed me to purchase vehicle without insurance. I stated to the sales rep that I was not fully comfortable with the car that they provided for me because XXXX, right now in XXXX XXXX MO have a high theft alert. They then stated that I could not return car once I drove off the lot which is another violation of TILA and regulation Z which clearly states they are to provide consumers with rescission rights. XX/XX/XXXX the vehicle still had not been funded. I waited until XX/XX/XXXX to try and return car again seeing that it had still not been funded and thats when the vehicle was stolen. I have the police report with complaint # XXXX and it will be attached. I contacted the sales rep and he tried to make me feel bad by saying to not say anything since I did not give them what they originally wanted for the car to begin with. He said that he would take care of the situation. XX/XX/XXXX XXXX XXXX  XXXX XXXX posted on my consumer report and began requesting payments. I did not give them permission to post anything on my consumer report. 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. Once I seen the posting I immediately contacted the sales rep at XXXX XXXX where I was told the sales rep no longer worked there. XXXX XXXX falsified information to get me into a car and has not tried to help resolve this. They are damaging my consumer report because XXXX XXXX  is marking late payments and adding interest on a vehicle that I don't have and never was supposed to have to begin with. By the time the first payment was supposed to be made and funding came through the car was already gone. XXXX XXXX is responsible for this and needs to handle this. I also will be filing with MO Secretary of State as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have right to privacy. 15 usc, 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a credit may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Complaint ID XXXX Despite assurance in writing from Specialized Loan Servicing, dated XX/XX/XXXX, that " An escalated manual update to remove negative credit reporting for XX/XX/XXXX and XX/XX/XXXX has been sent to the credit reporting agencies '', XXXX  still shows us 30 days late on the mortgage Loan No. XXXX. 

This loan was paid in full on XX/XX/XXXX and we were never late on any of our monthly payments. We had excellent credit. The title company, XXXX XXXX XXXX, erred in the payoff process when we sold the property by sending an incorrect payoff amount to Specialized Loan Servicing. Specialized Loan Servicing was extremely uncooperative throughout the process of getting that situation rectified. Instead of working with the title company, Specialized Loan Servicing reported us 90 days late to all three credit reporting agencies. That action has been extremely detrimental to our credit scores. 

Thanks to CFPB, Specialized Loan Servicing responded to our original complaint. Two of the credit reporting agencies have since removed the negative credit reporting. However, XXXX  still shows us 30 days late on the mortgage. The negative credit reporting continues to impact our lives. 

This issue has been ongoing since XX/XX/XXXX. We have spent countless hours trying to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : XXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}, {$19000.00}, {$8500.00}, {$9900.00}, {$5400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX/XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach and covering the cost of any fraud that this may cause. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX open XXXX XXXX {$1300.00} XXXX XXXX open XXXX XXXX {$360.00} Convergent Outsourci open XXXX XXXX {$5800.00} XXXX XXXX co also the i get denyed by banks never open a account a day in my life need everything gone from my report. 
its say i have a collection of over 6,197 i called and i tryed disputing, people say i owe i get denied for house becouse of it, i know the person who used my identity to get things in my name i didnt give access to my credit report till this year my mother been using my name to get thing without my permission. also i got my last name changed due to marrage need everything updated my info and the info on my repoet is wrong. i was a victim of identity theft
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 XXXXXX/XX/XXXX
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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card

I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) for assistance with a serious issue I have been experiencing with Capital One regarding a disputed transaction. I feel compelled to bring this matter to your attention due to the blatant disrespect and lack of professionalism I have encountered throughout this process. 

On XX/XX/year>, I made a purchase from a merchant on XXXX. Unfortunately, the item I received was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Upon realizing this, I promptly requested a return. The merchant, upon learning of my intentions to escalate the issue to XXXX, provided me with a return label. 

I returned the item as instructed but did not receive my refund. Frustrated, I reached out to Capital One to file a dispute regarding the charge. After weeks of waiting, the merchant responded to Capital One by providing an order invoice and a screenshot indicating that the item was delivered. However, they failed to provide the necessary evidence demonstrating that they sent the return label or proof of the item being returned. 

Capital One accepted these inadequate documents from the merchant without adequately considering my situation, and they closed my case, requesting additional evidence from me. In response, I gathered all relevant documentation, including a full conversation with the merchant in which they provided the return label. I submitted this evidence to Capital One on XX/XX/year>. 

However, on XX/XX/year>, I received an email from Capital One stating that my case was closed due to my failure to provide the necessary documents. Immediately, I contacted the phone number provided in their email. During my conversation with the representative, I explained the situation in detail and expressed my frustration with how my case was handled. I warned him that if this matter was not resolved satisfactorily, I would involve the CFPB. 

This prompted his supervisor to join the call. After reviewing the documents while I was on hold, she confirmed that my submissions were indeed sufficient. She assured me that my case would be reopened and requested that I resend the return label and invoice, which I did during the call. She also mentioned that I would receive a temporary credit back while the issue was being investigated. 

However, just XXXX minutes after ending the call, I received another email indicating the case had been closed again, without any further explanation or resolution. This experience has been exceedingly frustrating, and I feel that Capital One 's handling of my dispute has been lacking in professionalism and accountability. 

I kindly request your assistance in addressing this situation. I believe that further scrutiny of Capital One 's practices regarding disputes could be warranted, particularly in cases where consumer safety is at risk. Thank you for your attention to this serious matter. I look forward to your guidance on how to proceed. 

Sincerely, XXXX XXXX
Product: Debt collection

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 Account 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

My interest rate was changed from XXXX percent to XXXX percent superimposed with my signature. During the contract I was given 10 months of deferred extensions. They are saying that I am behind and delinquent with my payments. I made a payment this XX/XX/2025, which brings it down to XXXX dollars. I find out that they have charged off my auto loan XX/XX/2025. They have forced me to go to an outside payment center to make my payments with a fee. To this date I have paid XXXX in majority interest fees on a XXXX dollar car financed.
Product: Debt collection

On XXXX XX/XX/2020, I received a notice through XXXX that a collection had been opened up on my credit account. The collection was reported through XXXX. 
The collection was through a company identified as Southwest Credit Collection for the amount of {$300.00}. No further information was noted as far as for what this was for, etc. XXXX  was immediately contacted and a dispute filed as well as a credit freeze/ monitor request. 

I have never conducted any business transactions nor heard about this company. This action has dropped my credit score over 20 points. Additionally, my credit, up until this incident was great, as I regularly pay all my accounts off ( credit cards ) monthly and keep a low debt balance. There has been no communication from this company either, just a mark on my credit for whatever business Ive never done with them.
Product: Mortgage

In XX/XX/XXXX, my fiance and I, bought a home in the neighborhood where we had been renting for years. We had XXXX son and I had taken a leave of absence from work to be my mother 's XXXX for my mother who was in XXXX, we could n't bare a XXXX for her. After the 3 or 4 years we cared for her and her condition had worsened to the point that all I was doing was breaking down on a daily basis just to make myself keep her out of a XXXX and home with us. It is a situation that no one should have to witness their most loved parent endure. In XX/XX/XXXX, we had a son born after having to do the most difficult. So, while XXXX I returned to school before I returned to the work place where I was a XXXX, because I wanted to receive my XXXX degree, so to have that also under my belt. XXXX my fiance, working to support everyone. 2 months of finishing my classes, I was XXXX to our child, so I decided to wait, then go back fully refreshed and ready. About 3 weeks home with a new baby, I was very tired and sick, thinking it was all that come with XXXX my baby. I not only contracted a XXXX, I underwent XXXX for the next 6 months, I was diagnosed with the XXXX, XXXX. Then 3 weeks later rushed to the XXXX and was diagnosed also with XXXX, my XXXX was only at an XXXX caused by a XXXX and XXXX to unrepairable, inevitably needing a XXXX at age XXXX. With a son in his XXXX and a new baby, it has taken so many obstacles, to get to where we are right now. Needing a XXXX now to reattach a lead in my XXXX and XXXX, it took me 4 year 's to receive my XXXX. Wells Fargo ask us how long we felt that our hardship would last, we choose 6 months and longer. Well, it did, we had a preservation specialist, named XXXX, worked hard with us as we did with her, but we were struggling, financially emotionally in every way. We could n't complete a few modifications, everyone after XXXX, caused more XXXX, saying they had not received something, I keep everything!!! I was broke I had gotten so XXXX and relationship family and the way we handled things was broken. Our last modification was given to us around XX/XX/XXXX, it was a good one and like always we started making the trial payments but failed after 2, not knowing what to do XXXX had filed bankruptcy again. SSA settled my XXXX in XX/XX/XXXX or XX/XX/XXXX, and we ca n't get anyone to acknowledge our circumstances now. Now that we 've overcome so much and have grown, spritually and needing to get to XXXX University to take care of my XXXX, we ca n't get this last chance Wells Fargo wo n't acknowledge us. Please help us, we just want this last chance to make this good and keep our home. Oh and this home is XXXX of XXXX that is in a flood zone and Wells Fargo keeps raising what limits they want us to hold, but we pay almost {$2000.00} a year in flood insurance. More than our homeowners and property taxes each year. After the icestorm in XX/XX/XXXX, FEMA did n't pay us for damages XXXX did, but our roof still leaks in XXXX rooms where the ceiling is coming down recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking for your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet there are some items passed on that should be remove. Per FCRA segment 605, i am expected to delete any records. I've proactively remembered this report for a past letter and I am including it once more. These are the following items that needs to be remove immediately : XXXX XXXX XXXX # XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.