23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00}
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transaction settled with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX was my Girl friend for XXXX  years and when she got her inheritance in mineral oil rights property she did all the notorized work with a mobile notary to finalize the selling of the properties.And since she decided to get the money sent to my Cash app account from XXXX XXXX account name $ XXXX ( Buyer of her property with XXXX XXXX ) on XX/XX/XXXX. and from $ XXXX ( the buyer of her property with XXXX XXXX ) on XX/XX/XXXX and on XX/XX/XXXX and XXXX had the funds sent to my cash app account email address XXXX ... username $ XXXX... I believe I was scammed from the beginning and it was pre planned by XXXX because she knew my debit card was linked to my account and I did whatever she wanted to do with her money in my account because I honor Him XXXX and I know he wanted Her to do as she pleased with her inheritance. We Even linked her card to my account so she can spend her money on whatever she wanted. She told me to buy Me some shoes and I didn't because I didn't want To get between her father 's wishes and squander her inheritance. XXXX XXXX is a good helper and humanitarian Who helped a lot of people with her wishes... I don't want to be blamed for the sending and spending of her money when I just did as she wanted and I don't want my account closed and to be sued and possibly send to XXXX  being liable to the taxes and fees when I didn't do anything wrong but I am being called a XXXX  when I am not and many witnesses can vouch for my integrity to fairness. Also XXXX XXXX stole a lot of XXXX 's money and I uploaded the time when XXXX XXXX changed our cash app pin XX/XX/XXXX after beating XXXX up and robbing her for her phone which gave XXXX XXXX access to steal money from the account. And XXXX figured that out because XXXX was blaming me for changing the account pin and taking money or buying things until XXXX found out about XXXX XXXX when she contacted cash app account support after Being strong arm robbed by XXXX XXXX.
Product: Debt collection

Former XXXX XXXX Customer, Fired them in XXXX 2014. I returned all equipment in their provided box and paid all bills. I had no contract with them. About 9 months ago collections agencies started putting {$160.00} on my credit bureaus as unpaid. I have opened a complaint with my State Attorney Generals office as well. I owe XXXX Nothing all accounts are paid in full. They have now switched to the XXXX debt collector Allied to ding my credit with which I will fight but they just continue their fraudulent practices.
Product: Checking or savings account

Merchant Details Name : XXXX XXXX Website : XXXX XXXX XXXXXXXX Location : XXXX, OH, US Business Description : Local meat products I was charged {$290.00} USD on this date Transaction Date : XXXX XX/XX/year> XXXXXXXX XXXX Authorization Code : XXXX Acct Number ( last XXXX ) : XXXX Purchase IP Address : XXXX XXXX XXXX XXXX California, XXXX transaction was made from an Ip address in XXXX XXXX CA I have not even been to or close to XXXX XXXX CA I did not authorize this transaction I tried contacting them to tell that there must have been a mistake and I did not order this they weren't any help So, I then contacted Bank of America to dispute the transaction. they denied my dispute
Product: Debt collection

The medical bill was caused by a personal injure case due to a motor accident. The other party 's insurance admitted full liability and responsibility. In another word, the debt is under the other party 's insurance.
Product: Money transfer, virtual currency, or money service

I sent XXXX hbar to binance.us and forgot the memo, 3 weeks ago I emailed their support to get my funds recovered and have had no response at all even after harassing them sending multiple emails, I am very frustrated and would love a response from the company, thank you!
Product: Checking or savings account

On XX/XX/XXXX at XXXXXXXX XXXX, I received a call from Citibank Protection informing me of suspected wire fraud on my account. I spoke with XXXX XXXX, who identified himself as a fraud representative. He advised me to close my account immediately and withdraw the remaining {$25000.00}, then deposit it into my new Citibank business account ( XXXX ) to ensure payroll processing the next day, as well as cover my business rent and professional service payments, which totaled between {$18000.00} and {$20000.00} in withdrawals over the following days. 

XXXX had extensive knowledge of my personal and business information, including my business EIN, Social Security number, both personal and business addresses, and the exact balance in my account. The caller ID Number XXXX displayed " Citibank, '' and he spoke perfect XXXX. 

This occurred on a Thursday, the last Friday of the month, and he assured me that by Monday, I would receive a confirmation email confirming the new account setup. However, when I did not receive the confirmation, I contacted Citibank directly, and they stated that they had no employee by that name. Realizing I had been scammed, I immediately filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XXXX, I received a call from my mortgage officer ( my wife and I are purchasing a home in XXXX ) informing me of a raised flag when pulling my credit score. Two of the three credit reporting agencies were within the range he and I projected I would be ( XXXX : XXXX ; XXXX : XXXX XXXX, but the third, Experian, was significantly lower ( XXXX ) due to a private student loan account reporting 90+ days past due. Immediately upon learning this, I ask that he provide any information he had regarding as I was completely oblivious and unaware. After receiving the information, I contacted the XXXX XXXX XXXX XXXX XXXX to inquire further why I was not made aware of the past due balance and pay the entire balance in full. The XXXX XXXX XXXX XXXX XXXX informed me that though they did have my current address on file, all correspondence previously mailed to my address was returned to them from the post office ( it is important to note, I receive mail every day to this address without issue ). 

Additionally, they confirmed they did not attempt to notify me beyond the mailers, which were ultimately returned to them. Knowing this, I agreed to pay the balance in full and submitted the payment the same day ( XXXX - the same day my mortgage officer first made me aware ). I also requested the XXXX XXXX XXXX XXXX XXXX remove all 'Past Due ' reports submitted to Experian as their records reflected and confirmed I was not ever adequately notified. The XXXX XXXX XXXX XXXX XXXX denied my request and refused to provide any justification or supporting evidence for their denial. 

Before ending the call, I voiced my concern about the unfair treatment I felt I received and that I would be forced to exercise my rights as a consumer submitting a claim to the Consumer Financial Protection Bureau ( CFPB ) ; their response : " go ahead. ''
Product: Mortgage

My story began when I was placed on a trial payment plan back in   XX/XX/XXXX   with my lender. I made all three payments on time and continued paying my mortgage until it was transferred to another lender. When I made my payment to the new lender, it was returned, and they told me I had to apply for a new modification and then they could accept my payments. The new lender gave me the run around for almost four years, and they attempted to foreclose on my home. When I inquired about my mortgage payments that I had made from   XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX , th ey attempted to foreclose on my house, and my attorney advised me to sign the modification because I had no other alternatives and the banks can do what they want to do. I have an email stating these facts. I signed the modification knowing that my mortgage payments were not applied. After I had signed the modification, the lender told me that they could no longer speak to me because I was in bankruptcy. They would not discuss anything on the phone with me after that time. I have the email. I went to the state of Maryland, and an investigation was conducted, into my foreclosure case and it was discovered that my mortgage payments were not applied. I can provide those documents at CFPB request. Also, a judge in my bankruptcy filing in  XX/XX/XXXX  was provided with the trial payments, and email from  XXXX  in regards to not speaking with me after the ratification of the modification. The  Judge  allowed me to go back to paying my original mortgage until things were sorted out. My attorney disappeared, and my case was dismissed, and Fay started foreclosure proceedings on my home. This was the 5th foreclosure and keep in mind ; no other lender attempted to assist me with a modificat ion. Fay was  provided with all of this information, and yet they are now trying to foreclose for {$580000.00}. An adversary was filed  on Fay Servicing  during my  XX/XX/XXXX  bankruptcy filing, so they are aware of what is going on with my loan. I have notified the  Fay Servicing 's foreclosing attorney on many occasions to let them know that th e accounting information is incorrect, but they still push forward with foreclosure. There should be rules that foreclosing attorneys must adhere to before foreclosing on someone 's home. They should verify ownership and accounting before filing documents in the court system. If it were us as regular citizens, we could go to jail. Please investigate this company and help keep homeowners in their houses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX  has a fraudulent account on my credit profile. 
XXXX XXXX XXXX XXXX has fraudulent accounts on my credit profile. 
XXXX has fraudulent accounts on my credit profile. 
XXXX XXXX has a fraudulent account on my credit profile. 
All fraudulent accounts need to be removed immediately.
Product: Credit card

Describe what happened so we can understand the issue ... 
I paid XXXX bills at Bank of America on the XXXX. I paid through their online billpay service. XXXX was the closing date for the month. Bank of America credited the XXXX payments for XXXX although I was paying XXXX bill as presented on bill pay. The next day I receive XXXX more bills for XXXX. I called on XXXX and I was told that they could n't switch the payment over to XXXX and that it would be " much more complicated than that ''. The whole process will take 5 additional business days ( with weekends that is 9 more days ). They would now need to credit the XXXX payments back and I would need to repay them again. The whole process would take several days in addition to me providing my checking account and routing numbers over the phone to a complete stranger. I asked to speak to a manager and continue to be on hold for the manager. I do n't want to lose the days of interest as they are figuring this out. I also paid the bill online and was told " never to pay my bill on the closing date ''. I held for the manager for another 10 minutes and was told the same thing. I paid my bill that was presented to me for XXXX online. It showed the minimum balance due. I then received XXXX more bills for XXXX the next day. I do n't want to wait 5 business days more to refund for a payment that was made 3 days prior. That is 8 days of additional interest. Both reps. at Bank of America can not just credit the payment for XXXX? 
Consent to publish the description of what happened? Consent provided Issue Billing statement Date of incident XXXX/XXXX/2016
Product: Money transfers

I transferred XXXX in cash from Walmart to wallmart. 
when I found out this was fraud I put a stop on the money and they gave me a refenece #, when I went to get my money they said no that the funds were transferred. I need help asap please call me its an emergency
Product: Mortgage

When I purchased my home with Wells Fargo the appraisal was XXXX, My loan was XXXX so that had my LTV at 76 % I feel I should had never been charged PMI ( Private Mortgage insurance ) My mortgage recently was sold to XXXX I am trying to have the PMI removed again. My question is should wells Fargo reimburse all the PMI I paid wrongfully? Also I was in the process of PMI removal with wells fargo and then they sold my mortgage before I could finish the process. Thanks
Product: Credit card or prepaid card

On XX/XX/XXXX, my XXXX account was hacked. 3 credit cards on file were compromised ( 2 cards were mine, one belonged to my father ). I noticed unauthorized charges on my 2 cards, reported them to fraud divisions at Citibank and XXXX, cancelled the cards and closed my XXXX account. I also recently filed police reports and a report with identitytheft.gov. 
My Citibank Diamond preferred card had 2 unauthorized charges on it, one for {$420.00} and one for {$410.00}, both made on XX/XX/XXXX. 
According to XXXX, the merchandise was delivered to my home on XX/XX/XXXX, therefor Citibank closed the case and did not reimburse me or investigate any further. I DID NOT make the 2 purchases, nothing showed up on my XXXX account showing these purchases, and NOTHING was delivered to my home ... I DID NOT receive any merchandise. 
Upon speaking with XXXX, they revealed the first name of the person who made the purchases. It was not me or anyone I know. I have an email from XXXX confirming that this purchase did not come from me or my account. Citibank is ignoring this information and is holding me responsible for the charges because a delivery was made ... but obviously intercepted by the thief who stole my card.
Product: Bank account or service

I got an email saying I need to update my information on a bank website but I do n't have an account with that bank. I feel that someone tried starting an account with this bank with my name. I 've kept the email just in case and the attached pictures are screenshots of the email on my phone.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX 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. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Reporting Error XXXX XXXX Account To Whom It May Concern, I Will allow No Longer than 20 days for the Negative Remark to be Removed From My Consumer Report before Pursuing Legal Action. 

I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding a credit reporting error related to my XXXX XXXX account. The account is inaccurately reporting a balance of {$33.00} when, in fact, the account has a recorded balance of {$0.00} out of a {$1000.00} limit. This discrepancy is not only misleading but also fraudulent, and I am prepared to file an FTC report to support this claim if necessary. 

Account Information : Account Holder Name : XXXX XXXX Account Number : [ Account Number ] Balance as Per Account : {$0.00} XXXX XXXX : {$1000.00} The credit reporting error in question pertains to my XXXX XXXX account. Despite the account reflecting a {$0.00} balance and being well below the credit limit, it is inexplicably reporting a balance of {$33.00}. This erroneous reporting has negatively impacted my credit score and financial standing. I have attached supporting documentation, including a screenshot of the account summary, to this dispute for your reference. 

I am deeply concerned about the fraudulent reporting of this account balance, which could potentially harm my creditworthiness. In light of this, I kindly request that the CFPB intervenes to facilitate the following resolution : 1. Immediate Correction of Reporting Error : XXXX XXXX must promptly correct the erroneous reporting of the account balance, ensuring it accurately reflects a {$0.00} balance as indicated in my account records. 

XXXX. Cease Negative Reporting : XXXX XXXX should immediately cease any negative reporting associated with this account. Negative reporting, including delinquency or late payment indicators, should be removed. 

XXXX. Confirmation of Corrected Reporting : XXXX XXXX must provide written confirmation to me within 30 days of receiving this dispute and resolution request, affirming that the account has been accurately reported with a {$0.00} balance and that any negative reporting has been removed. 

If necessary, I am prepared to file a report with the Federal Trade Commission ( FTC ) to support my claim of fraudulent reporting. However, I hope to resolve this matter amicably and promptly through the CFPB 's intervention. 

I trust that the CFPB will investigate this issue and ensure that XXXX XXXX complies with the applicable regulations and guidelines governing accurate and fair credit reporting. I kindly request that you acknowledge the receipt of this complaint and keep me informed of any actions taken to address this matter. 


Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I purchased the XXXX XXXX XXXX via Klarna and they deliver the product to my house that was defective and I had a water leak in the item for over three months and did not know anything did not realize anything until after the third month when I did laundry. I noticed I had several articles of clothing on the floor that was absolutely soaked and water so I tried to drain the machine to see what was the problem. There was no water in the machine at all. Everything was on my floor so upon me trying to reach out to Klarna to see what I can do about this defective device, whether if I could send it back for a refund or send it back to get out of the contract, however before I was able to actually communicate with somebody from the company, they had already sent this account into collections. I am a full-time XXXX XXXX  and I promise to the public. I will give my 100 % honest opinion about my ties with said companies. I was supposed to purchase a box with no issues with it instead I did not get that what I got was a box with a water leak and this is the main reason why I have not had success with this machine at all. Meanwhile, they have their company professionals talking to me like I am the problem. Theres nothing wrong with my expertise. Theres something wrong with how this company treats and deal with their customers.
Product: Checking or savings account

Knowingly overcharging the consumer for knowledge thats assumed to be tribal
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my credit cards stolen and my identity information compromised and asked TransUnion to put a freeze on my credit reporting. The other 2 majors ( XXXX and XXXX ) did this without charge but Tranunion will not ... want to charge me XXXX  dollars ... by credit card that they may have allowed to be hacked I believe that TransUnion is the breach of my info.
Product: Credit card or prepaid card

I called today to inquire about my interest rate. I called back in XX/XX/2020 about my loss of income due to Covid. I noticed how high my interest rate was. I asked to have it lowered. I was told it was so high because it was not current in payments. I think its completely wrong to mark up interest rates due to my misfortune. To add on interest when I was not employed is completely unreasonable and immoral.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I filed a complaint with experian. I told them that they are reporting an incorrect balance that I owe to XXXX XXXX. I asked them to verify the information and to delete the information if they cant validate it. They continue to report inaccurate balances on my credit report.
Product: Mortgage

My loan payments with Specialized Loan Servicing ( SLS ) was  paid current through XX/XX/2018. I sent in the XXXX payment in the amount of {$550.00} on XX/XX/XXXX and 18 days later, the check still had not cleared the bank. The bank advised me to stop payment on the check, which I did. SLS contacted me shortly thereafter asking about the payment and I informed them about the stop payment. A couple weeks later, I tried contacting them with the phone number they provided me so that I could pay the XXXX payment by phone. I could never get through to them. Nothing was done in XXXX because I was unable to contact them. On XX/XX/XXXX, my daughter was able to contact them and talked to someone regarding the back payments. They told her a phone payment could be made and we provided them with the checking account no. and routing no. A payment was made over the phone and a confirmation no. was provided us. As of today, XXXX XXXX ( 12 days ) they still have not received payment and the money is still in my checking account.