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

An email appeared in my college email and it was an summer internship offering. I replied to the email so I can apply and work to help pay off my student bills. We only emailed each other and there weren't any like interviews to be held but I just didn't think much about it. The person I responded the email to told me that a person who was in charge of the materials was going to message me and he would tell me what to get. In a hour, I get a message from the person that the guy emailed me about and the person introduced themself and start with listing the materials I needed. He/She also mentioned that they would send checks through email and that I would have to deposit the money and buy the stuff myself. But the thing is, when I deposit the checks, the bank institution that I use says it will take a couple of days until the checks go through. I told them about it and he/she says that they couldn't wait since it would delay their schedule time. So they insisted that I would have to send them money from my savings and then they would buy it for me. We proceeded with that option and it kept going throughout the month and one day I woke up and got an email saying my account has a low balance. I checked and I lost everything. All my savings, all the money from the checks and I was in the negative numbers in my balance. I called the bank and they told me that the checks I deposited were fake and I texted the guy and he never responded back when I told him/her that the checks were fake. I called the bank institution to report about the fraud incident, reported it to XXXX  and the sheriff. They all came back with nothing and I had no reimbursements.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : FIRST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

In XX/XX/2020 i contacted rushmore financial several times an talked to personnel about obtaining my mortgage payoff and escrow payoff and was told multiple times that they would not give it to me because they had issued it in the mail already and were not required to do so after i told them what the purpose i needed for was to refinance my home they still refused.
Product: Mortgage

My loan was transferred from XXXX XXXX to Mr. Cooper in XXXX XXXX. At that time they failed to file the assignment of mortgage. As a result, I am unable to sell my property and close because there is no evidence that they own the loan and are legally able to discharge it. 

Because they did not file the assignment as required, my closing has been delayed, resulting in a material financial impact to me and the buyer as we wait for resolution. 

Mr. Cooper 's first-line representatives were unable to assist with this issue and it was challenging to get to their escalation team. Only after several days and attempts was I informed about a research team. 

Their update regarding potential resolution time is 7 business days, which means it will have been 12 business days since my initial contact with them. This seems excessive considering it's delaying a financial transaction, and the issue has effectively been outstanding since XXXX XXXX, over 9 months.
Product: Checking or savings account

In XX/XX/XXXX, I initiated 3 deposits of XXXX each, after that everything went great. In XX/XX/XXXX, I received a letter via email saying that my account was closed since I violated the terms of deposit since the limit was only XXXX, I understand and I have no problem with this but i need my money right away since we are no doing business anymore. In XX/XX/XXXX, I received 3 emails regarding the 3 deposits, saying that my funds have now deposited and available. Since that day I have try to contact Current bank more that 6 times, each of them unsuccessful, since they block my account I have no other option to talk to them but via email and they dont respond, still today Monday XXXX they have not responded at all.
Product: Credit reporting or other personal consumer reports

Remove XXXX XXXX from my credit report for inaccuracies. How can an account be late and on time the same month? For example in XX/XX/XXXX you reported me late while XXXX reported me on time. It is not the only one. This is not possible and it shows how inaccurate this account is. I have many other examples. You said the account was last active in XX/XX/2023 when XXXX said it was last active in XXXX, so many discrepancies. Remove immediately XXXX XXXX from my credit report for inaccuracies
Product: Debt collection

To whom it may concern, Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S I am writing to file a complaint against BLITT AND GAINES PC for engaging in debt collection activities within the state of Missouri without the appropriate licensing. According to my records and research, BLITT AND GAINES PC does not hold a valid license to collect debts within the jurisdiction of Missouri. 

This unauthorized collection activity violates the laws and regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) as well as Missouri 's specific regulations regarding debt collection practices. I believe this conduct is unacceptable and warrants investigation and appropriate action by the CFPB. 

I request that the CFPB thoroughly investigate this matter and take necessary steps to ensure that BLITT AND GAINES PC ceases its unauthorized debt collection activities within Missouri. Additionally, I urge the CFPB to impose appropriate penalties and sanctions on BLITT AND GAINES PC to deter similar violations in the future.

Furthermore, I would like to request that the CFPB keep me informed of the deletion progress of this investigation and any actions taken against BLITT AND GAINES PC to delete all credit reporting immediately. 

Also, for every violation I request to be paid for Thank you for your attention to this matter.
Product: Debt collection

XXXX XXXX XXXX contacted my employer and i have attached the document my employer forwarded to me ( wage garnishment ) for about {$290.00}. After that garnishment took place, XXXX XXXX sent me another Collections notice ( which i have attached ) for {$10.00}. How could this be when the previous garnishment was {$290.00} and this collections notice states the previous balance was {$250.00}? 

This is fraud and I can not afford to have them contact my employer again and whatever this collections notice is for it should not apply to my account as they garnished {$290.00}. 

I would also like them to remove any negative entries with all bureaus as there are bureaus outside of the big 3 that most people do not know about, however, XXXX XXXX does report to them!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt agency no longer has ownership of debt since XX/XX/23. XXXX XXXX XXXX has collected payment and the collector will not remove the collection.
Product: Checking or savings account

XXXX XXXX XXXX XXXX first charged my account on XX/XX/2022, for {$200.00} ( unauthorized payment ), I contacted XXXX XXXX-Chime reported the issue and was granted a provisional credit on XX/XX/XXXX for {$200.00}. On XX/XX/2022, again for a second time XXXX XXXX XXXX XXXX utilized my stored debit card numbers to take {$200.00} ( unauthorized payment ), I again contacted XXXX XXXXChime. They suggested that I contact the merchant ( XXXX XXXX XXXX XXXX ), I did speak with the business Manager who confirmed that I wasn't in the system as a client receiving services. She continued to say XXXX XXXX XXXX XXXX had a new system for billing, she suggested that I contact Chime to see what Chime could do on its end because she stated, she couldn't see in her system where I was being billed. 

I spoke at length with the Chime representative about this matter and asked that they block or whatever needed to be done to keep this business from having access to my checking account. 

Again on XX/XX/2022, for a third time XXXX XXXX XXXX XXXX again utilized my stored debit card information and took {$200.00} ( unauthorized payment ). I reported the transaction as soon as it had cleared ( Monday XX/XX/2022 ). I received an email from XXXX Bank-Chime on XX/XX/2022, stating that my dispute of the charges was denied and that I needed to provide additional proof that this was fraud ( police report, Hospitalization/Incarceration Records Proof of Location ( such as time sheets, GPS, flight records, travel receipts, hotel booking information ). 

XXXX XXXXChime allowed this business access to my banking information/account to access funds when I really needed them, causing extreme financial problems for me. It wasn't until the third time that I reported this situtation involving the same company, that Chime sent me an email saying through investigation they had determined my account had been compromised and my card was cancelled and a new card sent out to me. XXXX XXXX  then for retaliatory and unethical reasons refused to return my funds and put forth impossible hurdles for me to have my money returned to my account.
Product: Checking or savings account

I opened an account but did not get {$350.00} bonus as advertised : XX/XX/XXXX I submitted the application online to open my choice checking account XX/XX/XXXX I completed the bill pay requirements for 3 months within 120 days acct opened XX/XX/XXXX about 8 weeks after requirement completion, I did not get {$350.00} in acct XX/XX/XXXX contacted CSR for 35 min and XX/XX/XXXX with another CSR for 85 min with extensive holds & wait by the CSR, still without proper resolution to this date. The ineligibility of personal account held was confusing and the company did not clarify in its term the definition of personal account or show example. In the marketplace when people open personal account it normally means banking product, but the verbal explanation of CSRs say it included mortgage acct that the bank previously sold to another service provider without client 's choice is misleading and confusing to the consumer.
Product: Debt collection

I have no knowledge of this debt ( XXXX XXXX XXXX ) XXXX I have no of this debt ( XXXX XXXX XXXX & XXXX My identity was compromised
Product: Checking or savings account

On XX/XX/21 I met up with someone to purchase a product in the amount of {$200.00} with XXXX, which always goes through almost instantly. This payment was authorized for that day, not the following day. The person claims they didn't receive the first payment. So I went a head and did another XXXX payment which went through immediately. The next day it shows 2 payments went through.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Thank you for addressing some of the inaccuracies in my credit file. Nonetheless, I believe the Fair Credit Reporting Act 's standards have not been fully adhered to. The account in question still needs further action to ensure its utmost accuracy. I request another investigation into the following account : XXXX  Date Opened : XX/XX/year> XXXX Balance Owed : {$2100.00}. If your investigation can not verify the disputed information, please update it immediately. Additionally, please send a detailed description of the procedure used to determine the accuracy and completeness of the information to my address provided.
Product: Debt collection

I hope this letter finds you well. I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report. These inaccuracies are adversely affecting my overall credit standing and have a significant impact on my credit score. 
I recently obtained a copy of my credit report from your bureau and discovered several accounts that are inaccurately reported due to fraudulent activities. The presence of these fraudulent accounts is unjustly damaging my creditworthiness, and I am seeking a resolution to rectify this situation. 
Below are the details of the disputed fraudulent accounts : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX 
These fraudulent accounts have a direct and negative impact on my overall credit score, making it difficult for me to secure favorable terms on loans or credit. I believe that, according to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the removal of inaccurate information from my credit report. 
I kindly request a thorough investigation into this matter and the prompt removal of the disputed fraudulent accounts from my credit report. I understand that, under the FCRA, you are obligated to investigate and correct any inaccuracies on my credit report within 30 days.
Product: Credit card or prepaid card

I want to begin by saying ... .I DO NOT have any negative information on my credit reports. I pay a monthly fee to monitor all 3 credit bureaus. I have always paid my payments on time. Because I have excellent credit, in 2016 I took advantage of credit card banks offering me credit and promotional interest free balances for a period of time. Generally 12, 15, 18 months. Of course I am required to pay minimum payments every month. As long as minimum payments are made, there will be no interest charge. 
My complaint is with Bank of America. I have had credit cards with them for over 20 years. NEVER late with a payment. In XXXX of 2016 I was standing in line at a grocery store with a friend paying for groceries with a Bank of America credit card. The clerk said the card was declined. I thought there has to be a mistake. It was embarrassing. I used a different card. The next day I called Bank of America. I was told that all 3 credit cards were closed. I would be receiving a letter. I did receive 3 letters the next day, 1 for each credit card account. The letters stated, as a result of a recent review, we 've closed your accounts. I explained to the Bank of America Representative that I had 5 automatic monthly payments on 1 of the cards that totaled approximately {$120.00} per month. Would I be allowed to give {$500.00} to them to keep the card active to the limit of the remaining cash balance. Allowing the {$120.00} charges per month. In other words, a collateralized card. I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX Balance : {$6000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have checking XXXX and savingXXXX account with Citi bank XXXX The Citi bank gets direct deposit of my pay from my employer. I check my account only once in a month when I have to pay my house rent. I could not pay the current rent because my bank account is blocked. I was not informed the reason by Citi bank. I tried Citi Bot chat, but it was not helpful. I called the Citi bank customer service and the representative suggested me to contact XXXX XXXX, XXXX. 
I visited the XXXX XXXX Citi branch at XXXX XXXX and XXXX XXXX separately and explained the debt collector demand as unfair and questionable. The court judgment is bias as somehow the debt collector manipulated by misleading the court. I was not informed and given chance to present my case. The case is very old and may not be qualified to be sued due to statute of limitation. The decision is XXXX sided. The bank favored the debt collector and did not show courtesy to inform the customer. If informed, I could have taken the action to resolve the matter. I could not pay the rent on time and will be charged late fee. 
Today, I checked my checking activities on phone and found that money which is more than the debt collector asking for is withdrawn from my account on XX/XX/24. My account is still closed. 
The representative from XXXX XXXX, XXXX called me and trying to resolve matter. However, the money is already withdrawn and no use of negotiating. 
I am going to appeal in the court and try to solve the matter with the original creditor, if due. I am very disappointed by the bank action. 

Thanks. 
Sincerely, XXXX XXXX
Product: Mortgage

Please reference CFPB submission # XXXX for reference. As Freedom Mortgage provided CFPB false information to force closure of the complaint. Prior report will be included. 
When CFPB previously communicated in reference to my demand for Successor in Interest status, they falsely stated the mortgage was both unrecognized and that no 3rd party authorization was in place. None of which are truthful. Freedom Mortgage did finally confirm Successor in Interest to myself, XXXX XXXX XXXX, however in name only. 
Today I received mixed contradictory information in the form of two letters, both dated XX/XX/XXXX. One to my deceased spouse and one to myself. Deceased communication stated he ( the deceased of 1.5 yrs ) must have a confirmed Successor in Interest and an Assumption of the mortgage is required for a loss mitigation workout. In direct violation of federal law. The second, addressed to me, was an acknowledgement of Successor in Interest status. However, it essentially stated the status only bestowed the title and allowed me to receive notices and communication but does not include the federally defined Successor in Interest rights. 
They purposely state that they maintain the right to foreclose, clearly included to intimidate me into assuming the mortgage. They are refusing to recognize my clear right to act as a federally defined " borrower '' for all purposes needed or that may arise. Demanding I assume the mortgage before allowing any loss mitigation, hardship or similar. 
They have had my house insurance claim funds and are holding them illegally ( over $ XXXX ). My husband has been deceased for over a year and a half. Freedom Mortgage has caused significant undue hardship for my household. Their actions have caused financial harm and have resulted in breached contracts to vendors retained to replace my roof. This has resulted in XXXX XXXX as the reimbursement funds are needed for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, due to Freedom Mortgage withholding mine and my daughter 's funds ( daughter XXXX is 50 % deed holder also ). 
I live in Florida and this significant delay and hardship may very well result in my home being uninhabitable, as a severe tropical storm is hitting me as I write this, and I have a roof with 60 % damage that will likely cause much more extensive damage then it currently has. 
Freedom Mortgage was served first notice of my husband 's passing XX/XX/XXXX. It took them FIVE HUNDRED and TWENTY-SEVEN days to confirm my Successor in Interest status. That is an unconscionable amount of time. They have further been in receipt of all house insurance claim information needed since XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Moved out of apartment complex during XXXX and state mandates for rental relief were blatantly ignored by onsite management for XXXX XXXX
Product: Credit card or prepaid card

Purchased a few items on XXXX with Barclays credit card, returned said items within a span of a week to the local XXXX XXXX location, and handed off the returns. 

2 months and numerous phone calls later, XXXX XXXX customer service team tells me they can't find the order numbers and refused to give a refund without " proper documentation '' which I already gave them. 

Called Barclays to resolve this issue within my own bank. Submitted three separate claims for the said items from XXXX. 

A few weeks later Barclays resolved the issue as my fault and adjusted the balance. Now I have a balance of {$1300.00} and no product.
Product: Debt collection

XX/XX/XXXX I phoned usaa spoke to FRAUD DEPARTMENT rep. XXXX. ( No ACCESS ON LINE ADA NON COMPLIANT WEB on hold 23cmins to reach rep. ) to Discuss attatched XX/XX/XXXX usaa Letter CONFIRMING NO FRAUDULENT ACTIVITY FOUND AFTER REVIEW. My question after 45 min wait to pull up letter was WHY ARE USAA REVERESING MERCHANTS CREDITS?? He said they only do that IF MERCHANTS ALSO SENDS CREDIT. My response, Yes, And??? WHY REVERSE THE MERCHANTS CREDIT PAID to COVER FRAUD ** USAA CONFIRMS DID NOT EXSIST???? ... AND dial tone in my ear. USAA DOES NOT RESOLVE FRAUD.USAA HANGS UP ON CONSUMERS STEALING MERCHANTS CREDITS AS THEIR OWN. XX/XX/XXXX statement has {$2.00}, XXXX REVERSED CREDITS NEVER MADE PERMANET NEVER PROVIDED DENIED IT EVER HAPPENED.??? And I discover in all of this I DID NOT OPEN THE ACCOUNT MY CREDIT WAS DESTROYED WITH ** INACCURATE CREDIT REPORTING. XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX suspended my account due to a Restraining Order to seize assets to satisfy debt filed by a law firm. I was given a case number. I am not the person that is listed in the case. I do not live in the state that this case applies to. I do not own the business this case applies to. I have no debt. 

I have reached out to XXXX for support multiple times, on XX/XX/XXXX and XX/XX/XXXX. I have either received no response or that I will receive a response in 5 days which then doesn't come. 

My account has been rendered unusable and my finances impacted because XXXX has mistaken me for someone else and they will not fix their error.