23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have had fraud committed on my checking account back in the month of XXXX from the XXXX to the XXXX were an excess of XXXX dollars was fraudulently used and withdrawn from my checking account at People United Bank. As shown in the documents attached purchases on XX/XX/11 of XXXX dollars twice at XXXX XXXX, then XXXX dollar purchase at XXXX followed by another XXXX purchase and XXXX purchase at XXXX. Then on the XXXX of XXXX a checking withdrawal of XXXX dollars followed by two XXXX dollars transactions at XXXX 's and XXXX XXXX XXXX. The bank never alerted me of these suspicious transactions and I come to see the transactions a couple weeks later alerted by my son because his account was affected too. I called the bank and alerted them about the transactions, they said a claim had been made and to go into a local branch and close the account with fraud and open a new one. On XX/XX/XXXX I went to the one closest to my Job and was helped by a banker named XXXX where she told me a claim had been filed and I would get my money back in 90 days. As the 90 days goes by I never received an affidavit to sign and when I called they said there still working on it until one day I went to a branch and they called the fraud department and they stated I committed the transactions at these places and I was fraud-ed myself. and they not a fault, then they said I clicked on an email all without providing any proof. Then they said they had no claim on file. I am a XXXX XXXX XXXX mother of XXXX who works full time in the public school system it would be pretty hard to fool me to spend XXXX of hard earned money. I was told by an employee working there they never followed proper procedure at the branch I went too for they were supposed to inform me to go file a police report to which I had no knowledge of. I go with my son to go file a police report and my son gets in touch with one of the managers in charge of the region and is told no claim was filed and we have to file another claim. When asked how no claim was filed he couldn't give a valid explanation especially when an employee representing the bank told me twice a claim was filed. I go to branch with my son to file another claim and I ask the branch manager whose also in charge of loss prevention if fraudsters can steal your pin? He replies no that impossible when I know by doing a simple search on XXXX  they can get your pin from the skimmers and data breaches. I filed another this time with an affidavit and have called the bank and have not heard anything back it has been over 5 months now and the bank has grossly been in violation of Regulation E I have never received any provisional credit and the time period allocated has expired for them to investigate this fraud. I feel this bank doesn't want to admit there at fault and is trying to prove my negligent without any proof and the fact there employees messed up there trying to cover up there own mess at expense to the consumer. I have been more than patient during this ordeal and would like to have this resolved.
Product: Credit card

I have a total visa credit card. My card expired XX/XX/year>. The last time I charged the card was XX/XX/year>. They sent a new card to an old address despite it be updated. I still do not have a card or account number to make payments. I have called numerous times and discussed this with Customer Service. I am either told that they can not do anything or am put on hold for hours and no one comes back to the line to talk with me. Every month they are charging me {$41.00} in late fees & a {$6.00} service fee for a card that I do not have and have tried to replace with a new card. My credit is being ruined for a card that I have not had in over a year or made any purchases on. All I have asked is that they reverse the Late Fee 's for a card that I do not have. They have refused to give me another card unless I pay the late fees. There is a very small balance on the card. Majority of the balance is fees. A monthly fee of {$41.00} & {$6.00} and they refuse to reverse these fees. How am I charged a service fee & late fee for a card that I do not posses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a mortgage with XXXX in XXXX, the mortgage was sold to XXXX then back to chase. During that time I obtained an IRRL due to my XXXX XXXX military status. While deploying and on XXXX XXXX the loan fell behind and so I did a modification, upon which time unfortunately XXXX and other banks were illegal foreclosures and I was in that bunch that was able to get mine approved. The modification took over a year as I was told the paperwork was lost at XXXX point to they repeatedly needed more information and customer service liaisons switched on my account. In XXXX I retired and they gave me a XXXX XXXX interest rate for 36 months so I made partial payments. I was declared 100 % medically XXXX and in my transition my military check was behind and I have a XXXX child who was in XXXX I was told to not make payments until the final paperwork for the modification was complete. This was due to them not knowing what the payments would be, at this point I never imagined or did I know that it was being negatively reported on my credit report. I have attempted numerous time to work with the credit bureaus and XXXX directly but to no success. The reduced payments were made as asked. There should not be annotated as late payments period. Finally if that was n't enough the new modified loan and the old account have the same number so the delinquencies remain though I have never missed a payment since the modification. The new amount of credit for the new loan is {$XXXX} yet they are still reporting to the CB the old one of XXXX giving the impression on my credit report that I am over XXXX dollars which is not true.
Product: Checking or savings account

These companies stole money out of my checking account with Alliant Credit Union on XXXX XXXX XXXX I did NOT authorize them and they need to be held accountable. The company information is as follows along with how much they each stole from me : XXXX XXXX  XXXX XXXX XXXX XXXX Stolen from me : {$270.00} {$1000.00} {$700.00} Phone number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA Stolen from me : {$980.00} Phone number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Stolen from me : {$450.00} {$630.00} Phone Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Stolen from me : {$650.00} {$200.00} Phone Number : XXXX XXXXXXXX XXXX XXXX Stolen from me : {$190.00} Phone Number : XXXX XXXX XXXX Stolen from me : {$680.00} {$170.00} Phone Number : XXXXXXXX XXXX XXXX XXXX  Stolen from me : {$330.00} {$170.00} {$250.00} {$170.00} Phone Number : XXXXXXXX XXXX XXXX Stolen from me : {$600.00} Phone Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX XXXX XXXX ( Original CreditorXXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian website does not have the ability to submit a complaint to Experian when a consumer has a dispute on its credit report. Additionally, when you go to their website, they do NOT have a helpdesk number to call. Also, their phone number ( XXXX only offers 2 options. The first option is questions on Security Freeze and option 2 is questions on ordering a Credit Report. There is absolutely NO OTHER OPTIONS Given. 
Experian can not be EVASIVE to the consumer. Here is my problem. I went to my Experian Credit Report and saw that there are errors in my credit report. I therefore click on the " Start a Dispute '' button and it opens a blank window. I clicked on several of these buttons, but they only open up a blank window. And as I said earlier, there is ASOLUTELY NO HELP BUTTON, NO HELPDESK BUTTON, AND WHEN YOU CALL THEM, THEIR RECORDING HAS ABSOLUTELY NO OPTION TO REACH SOMEONE TO SPEAK TO. IN FACT, THERE IS NO OPTION AVAILABLE TO SPEAK TO SOMEONE AT EXPERIAN. ALL THE OPTIONS ONLY LEAD YOU TO A RECORDING. THIS IS ABSOLUTELY UNACCEPTABLE!!! I want Experian to allow consumers to access an agent to resolve these issues. I want then to add to their main line an option to allow consumers top speak to a Live Agent. I also want this Option on their website. The way it is right now, there IS ABSOLUTELY NO METHOD AVAILABLE TO RESOLVE THIS ISSUE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I have sent letters to the three main credit bureaus Transunion,XX/XX/XXXX andXX/XX/XXXX. I have yet to provided proof of this negative items on my credit report. These issues has greatly cause me stress and anxiety. As a United States Veteran I should not have to go through a great or deal to have this falsely information reporting my credit causing me a great deal of suffering. I will be seeking litigation these items are greatly causing me harm and discomfort. They should be deleted or updated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts on my credit report that are not mine I have tried contacting the bureaus and they are giving me the run around and not answering anything. This is clearly identity theft and I need these off my credit asap. There are also 4 inquiries that are appearing that are not mine please help me out by removing these it si not fair for me to go thru this monthly with the bureaus for these accounts and inquiries. 

XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX  XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX - XXXX XXXX  XXXX - Acct #? Amt {$0.00} INQUIRIES XXXX XXXX XXXX - Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXXXX/XX/XXXX - Inquiry date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent an affidavit ( Attached below ) concerning some inaccurate accounts, addresses, and names reporting on my credit profile they maintain under my social security number. 

This information is reporting is incomplete and can not be verified under the accurate method of verification under 611 ( a ) ( 6 ) and ( 7 ). Section 607 ( b ) requires you to maintain " reasonable '' procedures to assure maximum possible accuracy. 
In the judgement of XXXX vs Experian, reasonable procedures to assure maximum possible accuracy '' of my credit report should be insured. See 15 U.S.C. 1681e ( b ). 
Under FCRA within 15 days it must be re-investigated 611 ( 6 ) ( B ) ( iii ) to permanently delete the inaccurate and incomplete accounts that are being reported on the credit profile maintained under my social security number. 

For the record : My name is XXXX XXXX ( see attached drivers license ) and my address is : XXXX XXXX XXXX XXXX XXXX, XXXX MS XXXX Please remove all other name variations and addresses from my credit report as they are not reportable per the FCRA, and inaccurate. Remove all other reporting addresses listed below that should be deleted from my credit file that I never resided in, and may possibly be listed on my credit report due to fraud. Enclosed are my Notarized drivers license and recent bank statement verifying my address and identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX Account Number XXXX Incomplete Account Number Closed Account Reporting as written off Incorrect High Balance {$1200.00} Reporting XXXX XXXX XXXX Account Number XXXX Incomplete Account Number Invalid Furnisher Reporting XXXX XXXX Account Number XXXX Unverified Account Inaccurate/Unknown Account XXXX  XXXX XXXX  Account Number XXXX Inaccurate Account Number and High Balance of {$610.00} Reporting Inaccurate Reporting as " collection '' account was closed
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX, I fell on hard times so I made a PayDay loan CashNetUSA, I made XXXX payments, for several months I was in negotiations for a Settlement, my last offer was {$870.00}, I offered this amount in or around XX/XX/XXXX but communication was never communicated back but rather my account was turn over to XXXX XXXX XXXX XXXX, XXXX XXXX is now using a XXXX party, XXXX XXXX XXXX to play some type of bate and switch game, so Im reaching out to you CFPB to inquire as to whether this {$870.00} is still on the table? Im also reaching out to the other Federal agency for Resolve! Its apparent that there are some underlining issues for which XXXX  XXXX XXXX XXXX are intending, but I only want to Settle this foolishness Thanks
Product: Mortgage

Despite Rocket Mortgage pre-approving me for {$820000.00} ( which was {$170000.00} MORE than the price I ended up being under contract for - {$650000.00} ), having a 60+ day close, and the fact I provided Rocket Mortgage with the executed contract the same day it was executed ( which clearly displayed the option period, option fee - {$100.00}, and the earnest money I had at risk {$5000.00} ), they waited until the week I was scheduled to close to inform me that I would not be able to purchase the home. Also, prior to that while I was still under contract, they waited until roughly two ( 2 ) weeks before I was scheduled to close that I would not be able to purchase the property via a FHA loan and they proposed a Conventional loan, which they ultimately denied a day or so before I was scheduled to close. This displays not only their ignorance but also their gross negligence, which resulted in me losing money. 

In addition, despite the lies Rocket Mortgage continues to tell, I provided them with all information, including my financial information, within 24 hours of it being requested. Furthermore, Rocket Mortgage 's negligence caused me to breach a contract I executed with a tenant, which not only caused me reputational harm, but it also resulted in me losing additional money! 

I detrimentally relied on Rocket Mortgage, and as a result, I have suffered repetitional harm and financial damages possibly up to {>= $1,000,000}. Also, I do feel that I was discriminated against by Rocket Mortgage due to my race and ethnicity. 

I have plenty of documentation that supports Rocket Mortgage 's negligence and callous disregard for consumers, specifically me. Furthermore, as displayed, Rocket Mortgage refuses to admit their negligence, they refuse to reimburse me for my earnest money ( {$5000.00} ), option fee ( {$100.00} ), inspection fee ( {$790.00} which would not have been completed if I knew Rocket Mortgage would not loan me the money This is completely unacceptable and Rocket Mortgage nor any company should be allowed to cheat people out of their money, especially when it is solely due to their negligence. 

If Rocket Mortgage does not reimburse me, IN FULL, for all of my damages, send me an apology letter admitting & outlining their negligence, and provide me with their Professional Liability insurance information ( insurance company, policy number, policy effective dates ), I will not only expose them publicly for their lies, fraudulent tactics, and discriminatory practices through the media ( XXXX, XXXX XXXX XXXX XXXX XXXX, etc. ) and I will swiftly pursue litigation & also inform my local Congressmen/Congresswoman and Senators. And yes, I have spoken with an attorney, and they agree that Rocket Mortgage is 100 % negligent and I would easily succeed against Rocket Mortgage and their professional liability insurer in litigation.
Product: Payday loan, title loan, or personal loan

Dear Sir, SOFI LENDING CORP did not address and properly answer CFPB complaints on fraudulent inquiries ( disputed fraudulent inquiries of SOFI LENDING CORP ( SOFI LENDING CORP ,XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX, Inquired on XX/XX/2017, XX/XX/2017 and XX/XX/2017 ). I have asked 'SOFI LENDING CORP ' only send the letter over USPS with full name, complete address, all CFPB numbers so that I could submit those letters to State of Michigan and Honorable Courts. But, " SOFI LENDING CORP '' did not do and sent fraudulent letters without direct signatures, incorrect last names, not mentioning complete name, not mentioned all the CFPB numbers in the responses and various incorrect information. I am attaching all the letters with incorrect information, unlawful and fraudulent signatures. 
Could CFPB kindly store this complaint, unlawful acknowledgements and attached documents in Fraud, Identity Theft, crime and law enforcement records.

Sofi kept on harassing me with fraudulent inquiries in my credit report, not sending the CFPB response with right details over the USPS. 
I am going to submit all these documents in the identity theft complaint and I never ever had any kind of business with CFPB at any point of time for last 12 years and I do not have any plan to have any kind of business with SOFI LENDING CORP for infinite period of time. If there is any, its fraud and identity theft. Please store all these responses and documents in the archive and law enforcement records. Its harassment and disgusting that sofi creating troubles to me one or another with incorrect details, unlawful signatures.
Product: Money transfer, virtual currency, or money service

The company is Gemini ( cryptocurrency exchange ) Federal ID number : XXXX. 

Company name is : Gemini XXXX XXXX In XXXX of 2024, I deposited {$20000.00} into Gemini to trade cryptocurrency. On XX/XX/2024, I tried sending the currency to another wallet. It required 2 Factor Authentication and upon successful completion, It tells me I failed to respond to the request, which is a lie. I end up sending a support ticket confirming my identity. The ticket closes and I tried again, but still it said I failed to respond. 

Fast forward to XX/XX/2024, I try once again to send my cryptocurrency, but I get the same error message : " Failure to respond ''. I open another support ticket demanding that they give me full access to my funds are I will file a complaint with the FTC. They make me jump through several hoops all listed here : " Please provide us with : Your current occupation and employer, and/or your current source of income ; Your estimated net worth and a detailed description of your source of wealth Is your source of wealth derived solely from employment income, or is it also derived from other sources such as investment returns and/or inheritance? For any stated sources of wealth, please also provide supporting documentation such as a pay slip, bank statement, tax return, or other relevant documentation. 
A description of your expected account activity How much do you expect to fund your account initially? How often do you plan on funding your account and at what volume? What are your anticipated transaction patterns? For example, do you envision buying and holding your digital assets or will you be actively trading? 
Lastly, Gemini offers a variety of products and services including our Exchange, OTC Desk, and the Gemini Credit Card. Which products and services do you plan on using? '' TICKET ID : XXXX I end up complying with all of their requests and answering all of their questions sufficiently, but still they lock down my account. Mind you, each response I get takes days if not weeks to get a response. 

They request even more information after this. 

" Please provide us with : bank statement crypto statement from the exchnage crypto funds are coming from. " They cant even take to time to correct the typos in their email. 

I'm out here risking getting my identity stolen by digitizing all of my personal information ( social security card, birth certificates, paystubs, bank statements, drivers license, etc. ) while the customer support at Gemini gets to sit in their chairs and not move a finger. 

After complying with all of their requests, my account is still locked.
Product: Payday loan, title loan, personal loan, or advance loan

I had a dental procedure and needed some dentures. when my insurance wouldn't pay for it, the dental office talked me into getting a loan for {$8000.00} from Lending Point. I was told that the payments to pay the loan back would be around XXXX $ a month. As i was still in the office and felt compelled to get the loan. Not i've paid back at least XXXX $ in monthly payments and sending them Cashier 's check payments. with notes asking that my larger payments be put towards the principal, since i then learned that they were charging me a huge interest with the monthly payments. i believe that these larger sums that were over the {$170.00} a month payments, should have put towards my principal. i do not feel that they had done that seeing as how they seem to wait a number of months before they start calling me again for payments, indicating to me that they are taking the {$400.00} or {$1000.00} cashier 's checks ive sent and just taking the monthly payments of interest Out of Those payments and not taking anything off of my principal. so ive contacted them and asked for a printout of my payments but so far, have received no response
Product: Checking or savings account

An account was opened in my name in a state I don't reside in
Product: Mortgage

Several times during this transaction this lender asked me if I would be legally using my property. Although I informed him I would live in my property as my primary residence. He kept asking over and over again. He threw out comments like : " The lender will drop by unannounced to check if you live there in the year after you close. '' Etc. etc. 
He advised I could use XXXX XXXX XXXX as a down payment and then altered what he said and even required me to update my commission used as a down payment in addendum in order to move the transaction forward. I believe he was discriminating again me based upon my race and a bias he had against me from the beginning of the transaction. 
He refused to order the appraisal until I updated my commission percentage received. 
He then-without my permission over two weeks later ordered the appraisal on rush and tried to push the fee to me without even confirming I wanted it ordered-stripping me of the negotiation power with the seller.
Product: Mortgage

SLS has failed to provide a bilateral contract with two signatures as evidence that I agreed to paying them any debt. SLS has failed to provide evidence of any capital loss or proof of funding to any account that establishes an obligation for me to pay an alleged debt.
Product: Money transfer, virtual currency, or money service

XXXX XXXX dollars was taking out of my current acct from some one using the # XXXX after they took the money the called multiple times taunting us on taking the money. Police report was taken and police witnessed the callers male and female taunting.card was use in Florida and we resign in XXXX sc where the card was used 2 hrs prior to scam
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrectly, and they adversely affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX