23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX   XXXX  in  XXXX  Florida, entrapped us as buyers of new construction to utilize their mortgage company ( UAMC ) to finance the second home purchase in  XXXX , Florida. We were offered that they would pay our closing costs, as long we used their lender. Their lender cam back to us with a very high interest rate and inflated fees to close on the home. We obtained a  Loan Estimate from another lender with considerable lower interest rate and lower  monthly costs. When we approached  XXXX  with matching or coming close to the other lenders pricing, we were told they are unable to. We asked to include closing costs and they were unable to, we asked for them to refund our good faith money and they refused, saying that we agreed to use their lender. This is a case of steering where they steered us to use their lender and then inflated costs and added points to the loan amount in order for us to use their lender.     Cost of  Home  {$320000.00} Amount of good faith money - {$16000.00}  Interest  rate offered by UAMC/  XXXX  4.0 % with  XXXX  discount points. Monthly mortgage of $  XXXX  per month Interest rate offered by our lender 3.87 % with  XXXX  points. Monthly mortgage of $  XXXX  per month.     All of these events occurred in  XXXX    XXXX   We notified  XXXX  UAMC  to  return our good faith money on  XXXX / XXXX /  XXXX   and they refused and threatened to keep it, if we do n't move forward with the purchase of the home.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX ON XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally request a further review and escalation of my complaint against Crypto.com ( Complaint ID XXXX XXXX  ). Crypto.coms response does not adequately address the concerns raised in my original complaint, and I believe that their handling of this matter has failed to provide appropriate consumer protection.

Key Issues with Crypto.coms Response : 1. Lack of Consumer Safeguards Against Fraudulent Transactions Crypto.com states that I voluntarily initiated the transactions to a third-party wallet ; however, they failed to implement adequate security measures to protect users from fraudulent transactions. 
- Crypto.com does not verify or flag potentially fraudulent wallets before processing transactions. 
- No warnings or risk alerts were provided when sending funds to an unknown or unverified external wallet. 
- Other financial institutions often have fraud prevention mechanisms, such as transaction holds, additional verifications, or fraud alertsCrypto.com failed to provide any such protections. 

2. Failure to Provide Assistance in Recovering Lost Funds Crypto.com claims they can not reverse blockchain transactions, but they have not taken any steps to assist in the recovery of my stolen funds. Possible actions they could take include : - Flagging the receiving wallet address as fraudulent to prevent further scams.

- Coordinating with law enforcement or blockchain forensic services to trace or freeze the funds.

- Contacting the exchange or service where the stolen assets were transferred to request a freeze or investigation.

3. Negligence in Educating and Protecting Users Against Fraud Risks - While Crypto.com provides educational resources, these are not actively enforced within the platform. They failed to warn me about common scams before allowing the transaction to proceed. 
- No real-time fraud detection system was used to flag my transaction despite it being an unusual or high-risk transfer. 

Request for Further Review and Action Given the above, I respectfully request that CFPB : - Escalate this case for further review and reconsider whether Crypto.coms consumer protection practices comply with financial safety regulations. 
- Require Crypto.com to provide a more detailed resolution regarding their due diligence, fraud prevention, and potential remediation steps. 
- Investigate whether Crypto.com should be held accountable for failing to provide adequate protections against fraud.
Product: Debt collection

I get calls repeatedly throughout the day from  Allied  (  XXXX  ). I do n't have anything outstanding, but it shows as a debt collection agency. They never leave a message, and I keep my cell phone on silent while I 'm at work so I always just miss the call. Today, that number came through to my work.
Product: Mortgage

Hello, After Supreme Lending in XXXX, CO failed to secure a loan for us with the terms they committed to, I terminated my relationship with them on XX/XX/XXXX. They suddenly asked for 30 % down instead of 20 % down after stating the terms were acceptable. On their website, they also state that they specialize in jumbo loans with less than 20 % down. Fraudulent. 

In an email on XX/XX/XXXX ( attached ), I asked them to delete our personal data. Supreme did not respond to my request, and our personal data is still stored on their website as of this morning, XX/XX/XXXX. I am concerned they are going to sell our personal and financial records. A different mortgage broker has also secured a loan for us proving we are not the problem. Also, our new mortgage broker is unable to use the assessment done at the behest of Supreme Lending, so we also lost {$620.00}. 

We have excellent credit, high income, only revolving credit, and a high level of assets. The objection was that we had paid off our previous mortgage in XXXX, ahead of schedule. We have no car loans or student loans either. Our credit scores are each over 800. 

Supreme Lending is located at XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, CO XXXX and has a phone number of ( XXXX ) XXXX.
Product: Money transfer, virtual currency, or money service

Cash app offer all users free cash card, which is connected to big number of their services or you cant use them without a card. Whenever I apply for cash card ( many times for months ) at the final step I receive error message : " An unexpected error occured. Please try again later. '' which indicates technical issue, however when I report issue to cash app support I receive different answer : " Your request to activate/order your cash card wasn't APPROVED. and we CAN'T PROVIDE FURTHER DETAILS regarding this decision at this time. '' Than a list of possible reasons/violation of cash terms none of them apply to me. 
So it's not an error but formed decision and 'try again later ' is misleading and untruth. 
This is so discriminatory and without giving exact reason or what violation was I accused for. 
First, I deserve correct information after my application. 
Second, I deserve to know what did I do wrong ... or they just dont like me cause XXXX XXXX .... could be anything. 
But third and most important I deserve same treatment as other cash card users with all perks.
Product: Credit reporting or other personal consumer reports

Delete Hard Inquiries Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

Here we go again, i notice that quicken loans does not respond, i think have them busted, they send me a e-mail on a XXXX escrow fee returned to me, i have canceled with them three times on ( ihave faxed them on this once already ) thier e-mail, they will not respond, this, and i have already responeded to this, i get if i respond they will figure my account is open for application agains, i cancelled it 3 times, i will not respond anymore for they are tricking, i take back all the good i said about Quickenloans, they are preditors and just will do anthing to make things tough to refi to, buy the way they have me at 4.75 % apr XXXX 30 fixed never was told that i had to trick them into getting that, yes another loan co has gone to the sewer, Beware of Quicken, the salespeople lie, the ask you for repetitivve info, and they trick you, if you respond they will consider you account open, imagime i have only have had 10 days with these XXXX, yes Quicken you are a buily, Imagine what thier customer service is like compared to thier bully tactics in your loan.I take back all positive on you, you are a preditor and i will not comply to your bull, i will not sign any dos with your and i dare you to charge me, be warned all of internet lender!!!!!!! Once agian I have cancelled 3 times and they continue to send me all these things, probably to just get an account, Quicken loans I complimented you, but as far as i am concern you are XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!! leave me alone, your salepeople lie and you put people thru XXXX for your stupid loan, you rip off people and do not give them the real deal, i tricked you today and got it,XXXX pages, i was only sent XXXX when i applied, i hope someone out there is sick of your practice, after all its all over consumers affair, i suggest all/they keep avioding my complaints i wonder why? after all they managed to steal A+ on the XXXX.AS you continue to plague me i will never stop thank burea u, i hope a lawyer or someone with power puts them out. 
you read it, and you will not make my mistake, i know you will lie on this, thats how preditors work/oh i have XXXX % equity and they still are billing on top of thos a point, never told sales people lie!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit card

Credit Card had a CREDIT BALANCE was removed from balance but did NOT refund it to me this is NOT acceptable in 2025...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, serviced by XXXX XXXX XXXX are representing fraudulent accounts on my credit report that are hurting my credit history and my credit score. I've applied to multiple creditors and I have been denied because of XXXX XXXX XXXX serviced by XXXX XXXX XXXX. I addressed these concerns with XXXX XXXX XXXX, serviced by XXXX XXXX XXXX and my requests for correction have been ignored.
Product: Money transfer, virtual currency, or money service

I have a XXXX account with no incoming international wire fee through Chase. 
However, I was charged wire fee, and I asked XXXX about the fee but was asked to contact Chase. 


XX/XX/XXXX I wired {$7500.00} amount through Chase account ( XXXX ) to my XXXX Account XXXX ( attached SWIFT ) XX/XX/XXXX only {$7400.00} posted. I asked XXXX numerous times but they said the sender charged the fee but sender sent me the full SWIFT that shows no fee charged from the sender side. 

XX/XX/XXXX I wired {$8000.00} amount through Chase account ( XXXX ) to my XXXX Account XXXX. 
XX/XX/XXXX only {$7900.00} posted.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to send {$20.00} through CashApp to a local charity. The transaction was blocked and I received a notification saying the transaction had failed as the recipient was not currently able to receive funds. All fine at this point. 2 days later, I had a debit for {$20.00} from CashApp, however, despite the transaction not going through. I reached out to CashApp and spend well over two hours trying to get that money refunded since they hadn't actually completed the transaction. Their illiterate representatives and manager just kept braying the same thing about the charity not being able to receive funds and I would need to lay them some other way, and refused to even acknowledge - or do anything about - the funds withdrawn from my account. They ultimate marked the issue as resolved and refused to answer my emails
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

Victim of check washing fraud. My Bank cashed a fraudulent check on XX/XX/XXXX, has yet to take responsibility for this and has not refunded me the {$2000.00}. Submitted the appropriate paperwork with A Bank of America manager 's help, notarized and faxed by her. Have made several follow up phone calls with no resolve.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries listed on my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and as such, I request that all accounts and inquiries associated with this breach be blocked and removed from my credit file.

Please take immediate action to block the following accounts : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I received an alert yesterday, XX/XX/XXXX on my credit report that the car loan account is 90 days late and I thought, how am I just finding out about this, I am a co-signer on the vehicle and my son is the owner making the payments. He very adamantly tells me what months and the amounts he made through the app. 
I call an XXXX number, XXXX, and I speak to a woman, and she is telling me how he scheduled payments and that the payments failed, since XX/XX/2023 and then she continues to give me other dates that the money kept trying to be pulled from the account I explain to her that my son is the one making the payments and she laughs and then says, I am sorry I am laughing but it is funny when the kid is making the payments How is it that I havent heard about this? And then, she gives me an insane amount of money scheduled to be taken out of his account. I confronted my son, and he said he did not schedule that payment, at this point, I believe him. I do not understand what is happening with this app, why would the payments be failed? 
And now, I have a derogatory mark on my credit WITHOUT any notice. And the frustrating part is, because the app is trying to pull money out of the account, I can not make a payment, which is what I tried to do this morning, to bring the account to current.
Product: Credit card or prepaid card

I was part of a romance scam where the scammer scammed me out of ~ {$190000.00} by pretending to be a love interest over a 5 year period. Scammer pretended to be medical school student who needed assistance with school tuition, housing, etc. I recently contacted Bank of America 2 weeks ago to discuss this issue but they are unable to reverse any charges as scammer had my banking information. Scammer 's credit card was linked to my account and was able to charge my account. Scammer also asked for direct transfers via Bank of America 's XXXX so all of the stuff should be in the system. Bank of America pretty much told they couldn't do anything despite her even charging my account as recently as of XX/XX/2021. I even told them I reported this to the FBI
Product: Credit reporting

Previously deleted information from XXXX XXXX XXXX on Experian ; recent balance and payments incorrect on XXXX, XXXX XXXX XXXX ; Protect MY ID, a subsiduary of Experian Consumer Services had my wrong birth date, incorrect city where I was born, and mother 's maiden name. Reference numbers for the complaints : XXXX ( wrong birth date ) ; XXXX ( system would not take my password or username because it converted information to lower case ) ; XXXX ( incorrect city where I was born ) ; I could not ever get into my ProtectMyID account after speaking with XXXX ( XXXX ) Experian and its ' division have improperly processed my credit information and causing my credit score to be much lower than it should be. XXXX kept deleted items off credit report ; however, Experian adds them back on. Experian employees always give me a very difficult time when I attempt to correct these errors. I spoke with the ProtectMyID on today, XXXX XXXX, 2016, requesting a review of these errors and for Experian to contact me as soon as possible.
Product: Credit card

I bank with Wellsfargo and also have a credit card with them. All of my checkings, savings, and credit accounts are linked. XXXX XXXX, 2016, XXXX, sent an unauthorized transfer request for {$1000.00}, resulting in an overdraft of XXXX from my Wellsfargo credit card to my Wellsfargo Checking account. I called immediately when I noticed my account was off. I was told that it would be quicker for me to resolve the issue with XXXX directly. I called them and it was resolved in 2 days. I asked Wellsfargo to reverse the transfer of funds and was told I would need to call the credit department and handle it on my own. When I called WF CC company, I explained the circumstances and the lady " understood '' waived the cash advance overdraft fee and told me I would need to authorize a " payment '' with her to return the funds. I later found that it should have been a credit reversal. When I received my XXXX or XXXX statement, I found I had been receiving a cash advance fee charge since XXXX or so. At this time, there are 3-4 months of cash advance charges on my credit card. I called because my transactions are the same as always so I knew something was wrong. I found out thr charges stemmed from the original XXXX transaction so I asked how to resolve. I am sure they can go back through call logs to see that I 've spoken with about XXXX people who all assured me it could be resolved. In short, I was last told to contact Wellsfargo Checking and follow-up on my initial claim. I did so and was told it was as simple as a form and that I 'd hear back in 10 days, which I did by letter. Unfortunately, the letter only reiterated what I already knew. Because I resolved the issue on my own, as prompted by the representative from WF Checking, my issue indicates a simple debit and credit in the amounts of {$980.00} and {$1000.00}. This does n't resolve my issue and no one from WF Checking or Credit Card seems to really understand and want to resolve the issue. I am beyond tired of following up on and this and attempting resolution. I 've also filed a complaint against WF Checking as I feel both company areas have failed me miserably. I may not be rich and I may " get by with a little extra left '' but it 's still my money and I still deserve to be treated just as well as any well to do client. I am tired of calling and following up and getting the same results. Everyone seems to understand the issue but who has the power to rectify it. I just need this issue resolved and closed. However, I will say this, I do not allow anyone to defraud me without repercussions. I will follow this process through and if it need be, get my local media involved as well. I 've been bounced to so many people, I just need to speak with someone who can resolve the cash advance issues on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill.

I NEVER SIGNED UP FOR ELECTRONIC STATEMENTS, I NEVER KNEW I HAD ELECTRONIC STATEMENT, I NEVER AGREED TO ELECTRONIC STATEMENTS. I DID NOT RECEIVE ANY EMAIL REGARDING ELECTRONIC STATEMENTS.

The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX XXXX XXXX ). After a while, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.

I DISAGREE WITH WELLS FARGO 's RESULTS. I REQUEST A REINVESTIGATION OF THIS DISPUTE. WELLS FARGO NEEDS TO ADDRESS EACH CONCERN IN DETAIL AND PROVIDE PROOF THAT THEIR RESULTS ARE ACCURATE. WELLS FARGO HAS NOT PROVIDED WITH PROOF THAT I SIGNED UP FOR ELECTRONIC BILLING STATEMENTS. ( I NEVER SIGNED UP ) WELLS FARGO NEEDS TO PROVIDE PROOF OF DELIVERY OF THE PAPER BILLING STATEMENTS.

If you find the disputed information referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company name XXXX XXXX made three hard inquiry once a month onXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my consent. A company name XXXX XXXX made a hard inquiry on XX/XX/XXXX also without my consent. I have never seen this show on my credit report until recently, and i check my credit report via XXXX XXXX daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account ( s ) Name ( s ) and Number ( s ) : Account name : Account name : XXXX XXXX XXXX  Account number : XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.