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

On XX/XX/2021, I reached out to a lady who provided me the name of " XXXX XXXX XXXX '' who I saw on a group on XXXX advertising that she was a XXXX reseller. She was very attentive and responded back to all my messages in a timely manner, so i figured she was reliable and since others were confirming her work I ended up purchasing XXXX custom XXXX XXXX from her that came up to the total of XXXX through my bank via XXXX. I reached out to her via text from the number she provided to confirm her name and info since the name she provided was different from the name I was seeing on XXXX. She told me that she went by her middle name and everything was fine, I didn't think anything of it since I myself go by my middle name. I sent the money. In the days following, she still kept in communication with me via XXXX telling me she was getting started on them and that she would keep me updated. On XX/XX/XXXX she wrote me saying that there was a delay in one of my shoes and asked me if I minded waiting for all of them to be shipped out at once verses her making two separate shipments, and I agreed. On XX/XX/XXXX, I saw she was selling some more Nikes and decided to purchase those as well, so I made another purchase for 5 more shoes totaling XXXX through XXXX again. She confirmed the funds yet again and said she would send them as soon as she could. During this entire time we had been in constant communication via XXXX messages and text message. By XX/XX/XXXX I realized I had heard nothing from her about the first order nor the second so I messaged her, no response. On XX/XX/XXXX I texted the number that I had for her Asking what was going on because I hadn't heard from her still, no response. On XX/XX/XXXX I texted her again saying If I didn't hear back from her I would dispute the charges with XXXX thru my bank, yet again no response. Eventually, I reached out to my bank in an attempt to dispute the charges since I realized the lady XXXX XXXX XXXX was a fraud, only for them to tell me they don't refund those charges. I was unaware that, that money wouldn't be covered by my bank even though it was clear I was scammed out of my money. Navy Federal still declined to open up a case for those funds even though I told them I could provide the necessary proof to show I had been scammed. I am out of XXXX from a woman who portrayed herself to be a shoe salesman. I attempted to file a police report against this woman but have since been blocked on XXXX and no longer have a picture of her, nor did I have the original XXXX messages so they advised the only thing I could do was file a complaint. I do still however have our text messages to show the message exchange we've had for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked for evidence to support their reporting, but yet again they have failed to provide me with any viable evidence bearing my signature submitted by XXXX XXXX XXXX. substantiating their claims. Furthermore, I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX  This account should be removed immediately from my File
Product: Payday loan, title loan, personal loan, or advance loan

Below are emails addressed to XXXX ; " To whom it may concern, I spoke with a representative over the phone and virtually last week but was unable to answer why I am continuing to make payments towards a loan that was issued on XX/XX/year>? 

My loan amount is {$250.00} and I have paid a total of {$310.00}. It is difficult to determine from the payment history located in the portal ; how much of the principal was paid, versus late charges and daily interest? As of today, my loan balance is {$570.00}. 

Below is my payment history. Are you able to explain these charges to my account? 

-XXXX  XXXX XXXX XXXX REPLY ; " Hi XXXX, This is XXXX from Explore. I understand your concern. Please be aware that this is a payday loan, and as such, your loan accrues interest on a daily basis. As of today, your payoff amount is {$600.00}. 

Please let me know how you would like to proceed. 

Thanks, EXPLORE CREDIT SUPPORT '' Notes : I was not given an answer as to how much of the principal was paid, versus late charges and daily interest. Included in the attached files are my payments, communication with their representatives and the original loan agreement. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Saw a unauthorized charge of XXXX from a overseas company XXXX XXXX and I did not not do. Checked with the bank but they said my time was up to report. Learned this week that my card was compromised at XXXX 's restaurant. How can I fix this or get my money refunded.
Product: Checking or savings account

On XX/XX/XXXX I received in the mail a starter check package from TD Bank in XXXX XXXX XXXX. I have never done business with TD bank. The checks had my name proper address and other information on them. I immediately called TD Bank the following morning and was told that my information of course does not align with the person who is committing the fraud so they can not give me any information on the checks or the account. According to them there is potentially money being deposited monthly as a direct deposit and payments being made out of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX   XXXX, GA XXXX XXXX XXXX XXXX   XXXX  XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XX/XX/XXXXaccount [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card or prepaid card

This complaint is in regards to credit card dispute of XX/XX/2020 for {$380.00}. USAA refuses to issue refund from XXXX XXXX  ( XXXX ) for a cancelled airline ticket reservation because the COVID-19 pandemic. 

USAA refuses to issue a written guarantee to refund the money if XXXX XXXX files for bankruptcy or there is no vaccination available by the time the voucher expires. 

USAA is enabling XXXX XXXX to apply 2 sets of standards to its customers because of the pandemic. One for XXXX XXXX in order to get exceptions & breaks, in addition to federal financial assistance. The other to customers such as USAA members by negating that the pandemic exists. 

The COVID-19 pandemic is a clear force majeure event. A force majeure entails both parties effectively voiding a contract and being returned to their previous position. It doesnt allow one party ( XXXX XXXX ) not to perform while still keeping the money. This unearned money in the books is being used as collateral for additional financing and warrants. 

XXXX XXXX carries chargeback insurance. 

USAA ( and XXXX XXXX ) are disregarding the Fair Credit Billing Act and Truth in Lending Act. The chargeback mechanism exists primarily for consumer protection. Holders of credit cards issued in the United States are afforded reversal rights by Regulation Z of the Truth in Lending Act. 

COVID-19 continues to be out of control in the US, including Florida. The Centers for Disease Control and Prevention ( CDC ) is clear : Because travel increases your chances of getting infected and spreading COVID-19, staying home is the best way to protect yourself and others from getting sick. 

It is highly probable that vaccination is not going to be available by the time the voucher expires. 

In regards to credit cards disputes, USAA is NOT for its members, but for the merchants, such as XXXX XXXX. 

Request refund of {$380.00} or written guarantee from USAA that the funds are going to be reimburse if XXXX XXXX files for bankruptcy or if vaccine is not found or if not administered by the VA before the vouchers expires.
Product: Credit reporting

I am a victim of identity theft. Upon submitting my identity theft packet and police report on XX/XX/2016 to Equifax, they have failed to block the fraudulent information and comply with the Fair Credit Reporting Act. XXXX and XXXX have both blocked the fraudulent information pursuant to the Fair Credit Reporting Act, Section 605B. Equifax is still reporting fraudulent accounts.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX a victim of cyber crime .My MASTERCARD NETSPEND CARD was used while i have it in pocket last night at XXXX XXXX XXXXXX/XX/XXXX. It was used in XXXX XXXX XXXX XXXX XXXX XXXX at that moment i was in XXXX even never ever been in XXXX. XXXX XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 

Last night my card was used in that ATM while i have it in my pocket and still have it. Next day wake up as usual to go to work, found on way can not pay TAXI DRIVER. VERY HURTFUL. 

I called NETSPEND XXXX XXXX CLOSED WAIT UNTIL XXXX XXXX THEY ANSWERED. 
Explained what happened to NETSPEND customer service representative. She told me to call ATM OWNER. I call XXXX XXXX XXXX XXXX XXXX transfered to headquater no help. THEY TOLD ME CALL YOUR BANK NETSPEND TO RESOLVE YOUR ISSUES. 

I filed online dispute on netspent website then called customer Represantive, she told me you will need to sign and send to us. They just dismissed all i said. 

TWO YEARS AGO I LOST AGAIN OVER {$1000.00} AFTER MY CARD WAS STOLEN THEY NEVER HELPED. THIS TIME I IGNORED AS IT WAS PHYSICAL CARD THIS TIME IS CYBER CRIME FROM CYBER THUGS MY CARD IN POCKET. NO HELP AT ALL. 

Later spoke called after waiting on hold forever, customer REPRESANTIVE TOLD ME NOTHING CAN BE DONE UNTIL XX/XX/2023. 
NO CONSUMER PRTECTION WHEN MONEY IS DEPOSITED. VERY ARROGANT AND POOR CUSTOMER SERVICE.
Product: Credit reporting or other personal consumer reports

I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 
My date of birth is XX/XX/. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Product: Checking or savings account

I received 6 emails the morning of XX/XX/23 from Bank of American about an account that was being opened ( fraudulently ) in my name. I called BofA and they assisted in closing the account. However, when I asked what information was provided to Bank of America, like phone number and mailing address, identification, they told me it could not be provided. 

I asked what requirements for their Customer Identification Program / Know Your Customer were satisfied in order for them to open the account. I was transferred a few times but never received an answer. I feel as though Bank of American may not be following any guidelines for Know Your Customer / Customer Identification Program if this account was opened so easily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, Ima living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX 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
Product: Mortgage

I was under a Forbearance Plan due to Covid hardship. On XX/XX/2021 I called my mortgage company, Flagstar Bank ( spoke to XXXX @ XXXX XXXX  est ), to let them know I was ready to start making payments and wanted to Defer any outstanding balances during the forbearance to the end of the loan. They instead said they could do a Streamlined Modification and would mail me paperwork. They insisted that if I did not like the terms I could still do the Deferral. I received the paperwork about 2 weeks later and it made no sense to me ; the interest rate stayed the same, my monthly mortgage payments went up and they wanted to increase the term of my loan by 10 years. I called them back on XX/XX/XXXX @ XXXX XXXX  and spoke to XXXX and told her that I did not want to modify my mortgage ; I just wanted to defer the outstanding balance and restart my payments. She said that they had to approve my Deferral and it would take about a week. On XX/XX/XXXX @ XXXX XXXX  XXXX called me and said that my Deferral was approved and that paperwork would be sent out. I never received the Deferral paperwork and called 4 more times in XXXX. They said they would contact a supervisor, could not explain why my paperwork was never mailed, and then they sent me a Loss Mitigation packet to fill out. On XX/XX/XXXX @ XXXX I called back told them I do not want to modify my mortgage I only want to Defer outstanding balance and start making payments. They said there is nothing they could do and they are waiting on management. According to XXXX XXXX website, my mortgage backer, and Flagstar Bank I have the option of doing a Deferral. They can not explain to me why the Deferral was approved and paperwork was never mailed. I do not want to run out the clock and lose my home because of errors by the bank. Can you please help me?
Product: Prepaid card

According to the information I was able to obtain, sometime around XX/XX/year> someone called KeyBank Customer Service apparently pretending to be me and requested for a new address to be put on my card and then for a new card to be expedited to that new address, which a KeyBank employee obliged apparently against KeyBank policy. 

That person then took the fraudulent card and used it to withdraw {$560.00} worth of Unemployment Benefits from my account via an ATM transaction in XXXX Tennessee while my real card was in my wallet and I was in Indiana. 

When I discovered the fraud I contacted KeyBank ... and KeyBank gave me the runaround, made me submit all kinds of documents, jump thru hoops, and still refused to return my money, likely because they were aware that one of their employees was complicit, a fact revealed to me by one of KeyBank 's telephone representatives. 

At any rate, KeyBank refused to return my money. 
I filed a complaint with the Indiana Attorney General 's Office, but they wanted some documents I didn't have because most of my communication with KeyBank had been via telephone. So, my complaint was never executed upon or investigated. I do still have some documents as well as several pages of handwritten notes I took down while on the phone with different KeyBank representatives. 

Notably, the local KeyBank branch told me that there is nothing they could do with Unemployment benefits cards ... that it all had to be dealt with by phone or e-mail!! The Indiana Department of Workforce Development was no help in recovering my stolen money either. 

As far as I'm concerned, KeyBank stole {$560.00} from me and never paid me back and they still owe me that money.
Product: Mortgage

Dear Sir or Madam : Shellpoint Mortgage Servicing, the servicer of our mortgage loan at XXXX has recently obtained our loan from XXXX XXXX XXXX. Please treat this as a Notice of Error pursuant to the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ). 
Shellpoint notified us in a letter dated XX/XX/XXXX that we have been imposed with forced placed hazard insurance. The amount of coverage on this policy is {$250000.00}. There is no value remaining in the home and/or is the home in an insurable condition. The original lender, XXXX XXXX XXXX failed to follow the Flood Disaster Protection Act of 1973 and we lost all of our personal property and newly purchased home as a result of it. There is no basis for forcing hazard insurance as well as the unfounded amount of coverage they implemented. This is a violation of 12 CFR 1024.37 ( b ) and ( c ) 1. 
We are wrongfully being charged {$2000.00} worth of an annual premium for a policy that does not cover anything. Additionally, Shellpoint mortgage servicing is defrauding an insurance company for a policy on a home that is uninsurable. 

Thank you in advance for taking the time to acknowledge and answer this request as required by the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ).
Product: Money transfer, virtual currency, or money service

I sent {$12.00} to someone on XX/XX//2025, and it didnt go into the other persons account. I contacted the company but they were not able to resolve the issue.
Product: Credit card or prepaid card

AMEX adds interest fees for 2 to 3 billing periods despite all the FULL monthly TOTAL being paid in full. 

For several recurring months, I have been charged in excess of {$1200.00} for interest charges despite each month having paid and exceeded my FULL monthly balance. Their claim is that the 1 day delay in them processing the payment has caused not only the {$40.00} late charge fee, but also accrued interest. 

In looking at the monthly statement each month, my previous balance is less than my payments and credits amount, but just a it was with XXXX XXXX in XXXX when they created fake accounts to augment their service fees and internal metrics, AMEX added the 'pay over time ' product to my account WITHOUT my consent. 

Because of this new feature in my account that was added back in XX/XX/XXXX, it allowed Amex to begin charging interest fees on my monthly balances. And according to them, as they were explaining this to me, is because interest fees continue to be charged for up to 3 billing cycles, despite each month 's balance being paid in FULL. 

I imagine this pay-over-time feature and its relationship to how interest fees continue for 3 billing cycles may not be something that people are familiar with, so I'm hoping that by posting this here, and in the consumer protection website, that more people become aware of this practice which seems solely designed to extract service fees. 

Sincerely, XXXX, Amex Member since XXXX
Product: Credit card or prepaid card

I WAS SCAMMED BY SEVERAL COMPANIES AND I CAN'T GET ANYONE AT ALL TO HELP ME. I PAID {$2500.00} ON XXXX TO XXXX XXXX XXXX WITH ME CITI MASTERCARD. I ALSO PAID SEVERAL OTHER COMPANIES : XX/XX/XXXX XXXX XXXX {$490.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   {$590.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX ENDING XXXX XXXX TXXXX XXXX XXXX {$1600.00} XXXX XXXX ENDING XXXX XXXX XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX ENDING XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} ACH PAYMENT XXXX XXXX XXXX {$1600.00} ACH PAYMENT XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$2500.00} CITI XXXX XXXX XXXX XXXX {$3400.00} AND {$990.00} MC ENDING XXXX XXXX XXXX XXXX XXXX  NONE OF THESE COMPANIES DID ANYTHING AT ALL FOR ME. THEY TOOK ADVANTAGE OF A SENIOR CITIZEN AND ALL CHARGES ARE TO OLD TO FILE AGAINST WITH MY CREDIT CARDS