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

Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XX/XX/XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX USD which was transferred fromXX/XX/XXXX XX/XX/XXXX utilizing Coinbase services. 
What would be a fair resolution to this issue? 
Coinbase has to put things into the right perspective for me by reversing the total amount of XXXX XXXX USD paid to scammers as my losses are substantial and I have suffered a great loss because of this fraud, it had affected me personally emotionally, and financially and I am struggling to make ends meet.
Product: Vehicle loan or lease

XX/XX/XXXX : I recently traded-in my XXXX XXXX XXXX XXXX for a a brand new vechile, XXXX XXXX XXXX XXXX from Honda Financial in XXXX XXXX. Last week, I received a letter stating to contact my dealership to see if I qualify for GAP refund since I decided to cancel it. First, I contacted the sales person who helped me and she wasnt available to respond to my text after telling her the situation. Then so my fianc and I went to the dealership and was told that since we put {$0.00} down payment during the time of visit, the GAP refund ( {$2600.00} ) was used as part of the down payment. However, I was not aware that they transferred the GAP refund to my down payment. I just called the Honda Financial and spoke to the GM and I was told that thats what they usually do and theres nothing I can or they can do because I signed the contact. It was very clear to me that the reason why I am paying {$540.00} for the car that I got was because I did not put a down payment and purchased GAP and maintenance. However, it turns out I did put down, down payment through GAP refund. I think as a buyer, they should have informed me about this. According to the manager, they disclosed it to me but I was probably not paying attention.
Product: Mortgage

A letter dated XXXX XX/XX/2022 from Freedom Mortgage showed an electronic transfer from my husband 's bank account was authorized by him to Freedom Mortgage for XXXX Dated XXXX XXXX XXXX, a letter from Freedom Mortgage stated they did not receive the payment by XX/XX/XXXX and that a late charge of XXXX would be added. 
Another letter dated XXXX XX/XX/2022 showed they received a partial payment of XXXX on XX/XX/XXXX, and the funds would be held in suspense until we paid the full amount. 
Three letters dated XXXX XX/XX/2022 notified us of three different things. 
1. Our loan is one payment overdue and the total amount to make our account current is XXXX, 2. They have been unable to contact us regard our mortgage, yet when we call their number we are unable to speak to anyone. 3. That our mortgage payments were not received for months. The letter does not state which months, simply says " We have not received your mortgage payments for the months of through. '' The same letter states that our account is now in default, and we need to pay the amount of XXXX by XX/XX/XXXX. But if our payment is " not accepted for any reason '' the matter will not be resolved and they will begin foreclosure proceedings. 
Once we received the letters on XX/XX/XXXX, we again attempted to call their office and again were unable to speak to a representative or leave a message. Both a hard copy and an online bank statement reflects that the full payment was on time. We have filed for automatic payments 4 times and each time we have been contacted by phone that our paperwork has not gone through.
Product: Credit reporting or other personal consumer reports

Under my rights of FCRA 611 ( a ) ( 7 ) I'm requesting a complete description of all methods used to investigate my disputes that was verified by Experian under CFPB Complaint # XXXX XXXX I sent a letter on XX/XX/ to do a method of Verification and Experian failed to submit the information requested.

( See attached )
Product: Credit card

Purchase item online through XXXX. Item was misdelivered. I provided financial instruction ( chase ) with documentation from USPS detailing misdelivery however they refuse to assist me or refund me.
Product: Checking or savings account

To whom it may concern, I'd like to make a complaint against Fifth Third Bank. Specifically about their " Fifth Third XXXX  Checking Account. '' I recently learned that they've been charging me a " Dormant Account Fee '' since XX/XX/XXXX of XXXX to present the month ( XX/XX/XXXX ). This dormant fee was never mentioned by the fifth third bank associate that offered it to me. The info was not in any of the account information pamphlets or paperwork that they provided which could be easily seen, identified or found. 

This momentum checking account was advertised at the time of signing and is still being advertised today ( verified on their website today XX/XX/XXXX ) as " free, no minimum balance checking account, no minimum deposit, no monthly maintenance fees, no hidden fees ''. 

While speaking to a Fifth Third Bank customer service representative today ( XX/XX/XXXX ) by the name of XXXX XXXX customer service phone number XXXX ) he mentioned that the fee would not occur if I had a balance in the low {$2000.00} 's ). I was then told by his supervisor ( title : customer service call center supervisor ) XXXX that the information he provided was incorrect. However, the dormant fee is charged when there's no account activity for more than 12 months. She then mentioned that the " dormant fee '' information can be found in the rules and regulation tab somewhere on their website under some inconspicuous rule section that has a number and letter. 

This fee is deceptive, manipulative and wrong. Any fees should be explicitly made and displayed by the banking institution and their representatives. The supervisor claims that the bank sent me emails warning me that my account was on the verge of going into a " dormant '' state but I could not find any emails from the bank mentioning this or any " dormant fee ''. 

They've charged my account {$35.00} and refuse to waive the total fees. They've chosen to only waive {$15.00} and that's unacceptable. I'm sure I'm not the only customer they've done this to. 

I've included screenshots of Fifth third Bank 's website info for their momentum checking account as proof of their deceptive tactics. Please help me get this matter resolved. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Identity Theft and Violations of the Fair Credit Reporting Act ( FCRA ) by Credit Reporting Agencies Dear Sir/Madam , I am writing to file a formal complaint against the three major credit reporting agencies ( CRAs ) XXXX, Experian, and XXXX their failure to address and correct fraudulent activities on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ). 

Background : On XX/XX/XXXX, I discovered unauthorized accounts and inquiries on my credit reports from XXXX, Experian, and XXXX. Specifically, the fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon realizing this, I immediately contacted the CRAs and provided them with the necessary documentation to prove that these accounts were a result of identity theft, including a police report and an FTC Identity Theft Affidavit. 

Violations : 1. Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) : Under the FCRA, specifically 15 U.S.C. 1681c-2, credit reporting agencies are required to block the reporting of information that resulted from identity theft within four business days of receipt of appropriate documentation. Despite my submission of the required documentation, the CRAs have failed to block the fraudulent information on my credit reports.

2. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) : The FCRA mandates that CRAs conduct a reasonable reinvestigation of disputed information. I have repeatedly disputed the fraudulent accounts with the CRAs, yet they continue to verify the fraudulent information without a proper investigation, in violation of 15 U.S.C. 1681i ( a ). 

Supporting Legal Precedents : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX. XXXX ) : This case established that a CRAs failure to conduct a reasonable reinvestigation into disputed information constitutes a violation of the FCRA. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This case held that CRAs must adopt procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case affirmed that a credit reporting agency must go beyond mere reliance on automated processes to verify disputed information. 

Relief Sought : 1. Immediate blocking of all fraudulent information on my credit reports as required by 15 U.S.C. 1681c-2.

2. A thorough and reasonable reinvestigation of all disputed items on my credit reports.

3. Written confirmation from each CRA that the fraudulent information has been removed.

4. Compensation for any financial harm and distress caused by these violations.

I trust that the CFPB will take immediate action to ensure that the CRAs comply with their legal obligations under the FCRA. Please contact me should you require any further information or documentation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Two separate dispute letters for reinvestigation was sent on the same day for the following items : Collection : XXXX XXXX XXXX and Employer Information : XXXX XXXX. 

The letter requesting the validity of alleged debt for collection item XXXX XXXX XXXX XXXX XXXX and request to remove the previous employer XXXX XXXX was XX/XX/XXXX XXXX On XX/XX/XXXX, I received a letter from Transunion stating it does not appear that I am the authorized party requesting a dispute and my request for investigation will be processed. I sent another letter on XX/XX/XXXX with proof of identity requesting to investigate inaccurately of the employer and validate the accuracy of the collection with XXXX XXXX XXXX. The request was received XX/XX/XXXX with Transunion. Now it is XX/XX/XXXX, and I have not received any contact from the company regarding my dispute. Transunion has a duty to be fair and equitable to me as the consumer. Also provide fairness and accurate credit reporting as an elaborate mechanism. 
Transunion has failed to follow federal law and I have lost confidence that Transunion is assuming a vital role in assembling and evaluating me the consumer 's credit and other information in my consumer credit file. 

As a federally protected consumer, I have the right to privacy, and the information that being disclose from Transunion is in my opinion reporting inaccurate data. 
The following laws according to FCRA ( Fair Credit Reporting Act ) has been violated : 611- Procedure in Case of Disputed Accuracy " 15 USC 1681i ( c ) 605- Responsibilities of furnishers of information to consumer " 15 USC 1681-2 ( b ) ( 1 ) Federal law requires that written request to investigation what the consumer believes to inaccurate should be promptly conducted within 30 days. Once the investigation has been completed and the consumer challenges the decision. The company has 15 days to complete. 

The allotted timeframe has passed and Transunion has failed to follow the law. 
This information listed above is a serious violation of the FCRA ( Fair Credit Reporting Act ). 

Documents enclosed The original letter of reinvestigation for both items Proof of receipt for XX/XX/XXXX & XX/XX/XXXX Proof I no longer work for the inaccurate employer listed on my consumer credit file Letter received from Transunion denying the request to investigate and assuming I am not whom I say I am. 
Copy of Letter -Second request to investigate
Product: Credit reporting or other personal consumer reports

My account with CITICARDS CBNA was never late! I have had exceptional payment history witH and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 


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

On XX/XX/XXXX I called Mr Cooper to request the PMI on my mortgage be removed since I'm 3 years in the payments and well over the XXXX XXXX loan to value on the property. According to Mr Cooper 's website, I'm actually calculated at XXXX XXXX owner of the property. They have the value of the property on their website calculated at {$340000.00} as of XX/XX/XXXX, with an estimated equity position of {$180000.00} and I only owe about {$160000.00} on the mortgage. ( See file attached below from Mr Cooper 's website ) I've been very much aware of the values in the local neighborhoods averaging around $ XXXX {$350000.00} for similar properties. I spoke to a XXXX in customer service and after checking the value on her computer she stated that according to her computer 's diagnostic program, I don't have enough equity so I can either pay {$150.00} for a broker 's opinion on the value or pay {$350.00} for a complete appraisal to be done and either one can take up to XXXX. I stated that even their website has me estimated at {$180000.00} but she stated that it doesn't really matter and the only way I can have the PMI removed is if i do what she suggested so I told her to go ahead and order the {$150.00} broker opinion. This seems to be just another predatory tactic that Mr Cooper uses to take advantage of the hard-working responsible consumers. This company evidently bought my mortgage from XXXX XXXX  about XXXX weeks ago, probably paid a premium for it, and it looks like they're deliberately preying on the account holders to recoup their investment. How can this possibly be legal?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) 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: Debt collection

HIPAA violation no knowledge inaccurate medical bill collections on my Experience credit report. FTC ID Theft Report # XXXX
Product: Mortgage

Ocwen Mortgage.

I refinanced my loan in XX/XX/XXXX with Ocwen. It was a refi which my assumption was through the government, at least thats what they lead me to believe.

I was in a subprime loan ( don't ask me how that happen but it was a family friend who said " He Was Going To Help Me Out ''.

I had put down over {$100000.00} on the home and trusted my brothers friend, that he was doing something good for me.

I did get a refi loan for 2 % fixed till XX/XX/XXXX which was great because from Ocwen and was led to believe that there was no balloon payments near the end of that loan.

I even file a complaint with your bureau during that time because they would not give me a straight answer.

You guys got involved during that time XX/XX/XXXX, and the end result was and your bureau and my wife and I concluded, that there was no " balloon '' payment on the maturity of the loan.

I am finding out that this may not be true, yet all the paper work I have from Ocwen does not mention in any way shape or form anything about a balloon payment whatsoever, and when I question my account manager XXXX XXXX, he told me several times that there was no balloon payment.

I never missed a payment with my mortgage not once till reps a Ocwen told me in order to refi and get this government back refi so I did, got the loan and though everything was good.

2 % fixed till XX/XX/XXXX sounded great, but now that I believe that there is a balloon payment it does not sound so good.

Can you help me once again.

Thanks XXXX XXXX
Product: Credit reporting

On XXXX XXXX accounts that did not belong to me was deleted and now its back on my credit report. It 's seems like another company bought the files.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 & XX/XX/2020 Bk of Amer has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me
Product: Credit reporting or other personal consumer reports

I have disputed my name and address with XXXX, Equifax, XXXX, for the past XXXX, asking for my information to be updated.I sent proof of Identity with the one & only birth name I was given. This is the statement below I sent to all three credit bureaus. They continue to cause me LIBEL DEFAMATION OF CHARACTER. 


I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Please delete all other addresses & names, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address and name with the one above. 
15 USC 1681 a There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theConsumers right to privacy. 
My only Phone number is ( XXXX ) XXXX. Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section.Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy and proper utilization of such information in accordance with the requirements of this subchapter 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The Consumer reports must be accurate, this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report!
Product: Money transfer, virtual currency, or money service

I had an account with Moneyloin and it was paid in full, I went to go cancel it and there was another loan out, I proceed to try and contact them to cancel and they wouldnt. They withdrew over XXXX from my checken account and still taken money out. I reported my card was lost and account was hacked into but they dont seem to care. I would like this fixed and canceled and my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint to the credit bureau in order to notify them AGAIN that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit agency could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$3000.00} ; XXXX XXXX Balance : {$3200.00} ; 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 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