23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Apologies in advance, I did my best to pick the answers that best fit my particular situation. 

On XXXX. XXXX, 2022 somebody fradulently used my information to open a loan in my name for approximately {$10000.00} with LendingPoint. I first became aware of this in late XXXX / early XXXX and immediately reached out to the company for resolution and reported it on IdentityTheft.Gov. 

From the very beginning Lending Point has been very difficult to work with and saying that they need information. First they said that they need a police report to start their investigation. I did that. Then they said they need more, so I got what they told me they needed. Then finally i heard back from somebody who said they were actually investigating it. That person connected me to XXXX  XXXX XXXX where there was a fradulent account in my name that was setup. Whoever stole my identity took out this loan and transferred the money to a XXXX XXXX  XXXX account. From there, they clarified that I need more details added to the police report so that they can subpoena the bank records and finish their investigation. At every interaction ( email attached ) they have moved the goalposts and not done anything to make me feel at all confident that they are actually investigating this claim in good faith. On Monday I sent a version of the police report that was updated yet again and followed up with them on Thursday the XXXX. 

I got a reply this morning which I thought was very curt and in line with my experience with Lending Point : " Hello, Account was believed to belong to you. '' I immediately replied that it was not my account and I would like to see the results of their investigation but have not yet heard back. I am no expert on legal matters but if they needed that updated police report to get a subpoena, it seems like that would take more than 3 days. In addition, at the very least, the investigator should have reached out to me and elaborated on their investigation, not send just a short, dismissive email. 

I have attached my emails to my contact at Lending Point " XXXX '' and the Police Report. 

They are acting like I committed fraud over 10k, which I find to be downright insulting. I have a XXXX XXXX XXXXXXXX XXXX and am a XXXX XXXX in the XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. I have no reason to commit what they are essentially accusing me of doing. They are acting like I took out this loan and am now going above and beyond to get out of it and are not being transparent in their investigation.
Product: Checking or savings account

I deposited a check for {$2200.00} into my account at Wells Fargo, in person, inside the branch in XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, on Wednesday afternoon, XX/XX/XXXX, the money left my husbands account on Thursday XX/XX/XXXX, but still has not been deposited into my account and however, WF claims that there were not sufficient funds in my husbands account ( even though the money was already taken out of his account ), and WF refuses to deposit it into my account. This is called stealing. WHERE IS THE MOENY? WHERE ARE THE {$2200.00}? 
Wells Fargo Claims the funds will be made availabel around XX/XX/XXXX - hence : they are admitting that they DO have the moenY! 
Otherwise how can they confirm that they will release the funds on the XXXX when they claim they have not received the money? This is controversial. 
They are lying and giving us false information and withholding our money that we need TO PAY RENT TODAY. 
What are they doing with our money for 12 days? 

RELEASE OUR MONEY IMMEDIATELY! 
You want to be responsible for us being homeless? You steal our money and don't let us pay our bills with our hard earned money? What kind of bank are you not letting us use our own money? 
RELEASE IMMEDIATELY - NO LATER THAN XX/XX/XXXX by XXXX.
Product: Debt collection

I noticed on my credit report very old accounts from a Student Loan company. Im not familiar with the accounts, but, nevertheless it is required by state law that no debt is reported longer than 7 years. These accounts were opened in 2010 which means they should be much easier to remove from my credit profiles ( XXXX, Experian, XXXX ). The accounts are as follows XXXX XXXX XXXX XX/XX/2010 Balance {$4400.00}, XXXX XXXX XXXX XX/XX/2010 Balance {$9700.00}, XXXX XXXX XXXX XX/XX/2010 Balance {$12000.00}.
Product: Checking or savings account

received bogues checking account with checks from TD bank in mid XXXX after receiving a {$5.00} dollar check the day before that could only be cashed at TD bank. distroyed both checks and {$5.00} check and today recieved a statement showing activity onXXXX of {$5.00} amounts -- spoke with TD bank on XX/XX/2022 fraud dept said they were showing no activity and but up block on that day XX/XX/2022 Local Police report XXXX XXXXXXXX XXXX XXXX report # XXXX with many victims in this county
Product: Credit card or prepaid card

I had a breach to my CC, and alterations were made to my payment schedule/amount back in XX/XX/2020. As well there were many fraudulent changes made. 

I noticed months later and contacted Chase Fraud about the issue. They then refunded some, but not all, of the fraudulent charges. They did not refund the interest and fees. 

I took numerous calls from Chase debt collectors and explained the situation, as well I kept making monthly payments. 

I made numerous calls to Chase Fraud, and charges were not reversed. I made calls for settlement in a final payment, and during that process Chase would hang up on me. 

After a considerable amount of time. I decided to make this complaint. 

Chase has since charged me over {$5500.00} in fees and interest. 

Note : Prior to this issue, I had been paying the card off in full every month for a long period of time, years.
Product: Debt collection

JP Morgan Chase violated my trust account ending in XXXX by committing an adverse action against the estate of XXXX XXXX by closing my trust account due to an alleged debt. JP MORGAN CHASE never validated the debt or consulted with the estate of XXXX XXXX to settle any alleged debt violating the TRUST INDENTURE ACT. JP MORGAN CHASE has caused financial instability for my estate by claiming my estate owes a debt without properly doing the accounting on my trust account. The estate of XXXX XXXX deposited a collateral security with JP MORGAN CHASE and never received consideration for the deposit.
Product: Checking or savings account

On XX/XX/2023 at XXXX XXXX, I received text messages from my bank, Citibank , informing me that my online banking password had been changed. There was no request for verification or 2-factor authentication. Within 15 minutes, two wires left my account in the amounts of {$1700.00} and {$1800.00}, so there was no time to stop them even if I had seen the texts immediately. I called Citibank Fraud Prevention and they were no help. 

On XX/XX/XXXX, I went to the nearest branch in XXXX XXXX, Illinois to fill out affidavits stating that I did not steal my own money. While in that branch, I randomly encountered another customer who had the EXACT SAME issue : two wires for {$1700.00} and {$1800.00}. This means it was a systematic, organized cyber crime attack by a sophisticated, external threat actor. But that customer 's funds were returned to his account the same day because he was a high net-worth banking client. 

After that, I spent four hours per day researching, emailing and calling Citibank managers and regional VP XXXX XXXX XXXX to get my funds returned. But they only pushed my case around from one investigator to another. I informed them I would be reporting this to all relevant financial and criminal authorities, including the SEC for possible violation of the new 4-day Disclosure Rule for public companies to report a material breach of customer data. 

On XX/XX/XXXX, my mother was tragically killed in a house fire and I have been engrossed for the past eight weeks in dealing with the aftermath, including police, fire, and insurance investigations. Needless to say I have been unable to pursue my fraud claim with Citibank to get my funds returned. And I have not heard from the bank. 

I finally filed a complaint with the FBI today. And after I finish this complaint with your office, I will try the FTC and also the Attorneys General for IL and WI ( recommended by your support staff on the phone ). 

Doing some online digging, I found that Citibank has a history of letting their customers get scammed with weak account security protocols and fraudulent wire transfers that they do not return. Based on this XXXX XXXX XXXX XXXX XX/XX/2023, I spoke with attorney XXXX XXXX who is representing several clients against Citi for the same type of scam XXXX XXXX XXXX XXXX For documentation of facts, names, and communications with Citi staff and management XXXX I have over 20 emails in one chain I can provide. I also have photos of texts and screenshots of the fraudulent wires, all with dates and times.
Product: Mortgage

XXXX XXXX XXXX  I received a letter from Discover Home Loans with an offer to take advantage of the equity I had in my house and I called and got pre-approved after the review of my credit score and job information I provided. 

( we also clearly discussed what percentage to apply for to meet my income affordability ) XX/XX/ I was told they had all my information and that the application was going to be reviewed by underwriting pending any additional information needed. 

XX/XX/ I received an email saying that they would be unable to move forward because I didn't send all my paperwork on time and I would have to apply all over again if I wanted to move forward. 


XXXX XXXX XXXX  I called Discover Home Loans and was able to prove that all my paperwork was sent to them via the emails that were sent between me and the agent who assisted me. I was then told the application would be reviewed again and it would be forwarded to underwriting for review. 


XX/XX/ I received a letter dated XXXX XXXX XXXX saying that my application was denied due to a " statement of credit denial '' XXXX XXXX XXXX I called to check on the status of the application and I was told the application was denied due to applying for too much credit and I claimed no income on one of my job titles ( I claimed no income because there were repairs that needed to be done and it cost me more than I made that year ) the 3rd time I received a different reason for denial and I requested to talk to a supervisor. 

XX/XX/2023 I received an email asking me for the best time to get a hold of me on that following Monday. 

XX/XX/2023 I called and asked to speak to someone regarding this and was told a new supervisor would call me because the other one was out. 

XX/XX/2023 I received another email saying that they would call me back and I never received a phone call. 

XX/XX/2023 I called again and was told someone would call me today and there was once again no phone call and I started this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Ive called each company and they said to call the bureaus to remove and they have not been removed..
Product: Debt collection

I asked for what i am entitled to receive for debt verification. What i received from Portfolio Recover Associates, XXXX is laughable. They told me they didn't need to provide. I am requesting 1 ) An original copy of the contract between myself and the original creditor. 2 ) The proper legal assignment contract between you the collection agency and the original creditor ( proof that you are legally assigned to collect this debt on behalf of the original creditor no jut buying debts for pennies on the dollar to collect illegally ) 3 ) Proof that you are licensed to collect debts in the state of Colorado. 4 ) A line by line accounting of the ORIGINAL account ( transaction history, a full breakdown, not jus pages of an account in the negative being charged fees. 5 ) Proof that you the collection agency are in compliance within the statute of limitations in the state of Colorado.

Additionally, Portfolio Recovery Associates broke the law by reporting this on my credit bureau. I absolutely disputed this within my 30 day period. I have attached proof of all communication with PRA. I have consulted
a lawyer and plan to bring this to litigation if this isn't removed from my credit bureau. Portfolio Recovery Associates doesn't get to dictate what they send for Debt Validation. 

Please see attached.
Product: Credit reporting or other personal consumer reports

I have been trying to remove the lates on these accounts as I've said that there has never been late on these payments with the accounts and the balances are reporting differently on bureaus they're not investigating it very well. They can not give me a fully accurate reporting might as well just remove the accounts. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}
Product: Credit card

Hello, I got the capital one XXXX credit card in XX/XX/year>. I was told I would be getting a XXXX dollar welcome bonus if I spent over XXXX dollars. I spent that in the first month. It is XXXX and I am still yet to receive it. I called and they claimed I didn't get the reward on my terms & conditions letter. This was extremely deceptive, I would not have applied for the credit card and had the ding my credit score as a result if I had known this. This wasn't a new promo too, you can check credit card articles dated much earlier to know that this card was offering this promo for a long time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Debt collection

I used to use XXXX for home internet. 

On XX/XX/XXXX, I called and cancelled XXXX XXXX account, and received confirmation my service would be discontinued and that I would not owe any further balance. This cancellation was confirmed as processed via an email from XXXX  on XX/XX/XXXX. 

On Thursday, XX/XX/XXXX I was contacted by a company called Valor VIP claiming I owed money to XXXX for service for the month of XXXX. 

On Thursday, XX/XX/XXXX I sent Valor VIP a copy of my cancellation confirmation showing I did not receive service in XXXX. I also showed my last statement which covered services from XX/XX/XXXX - end of service, as well as a confirmation that my payment on XX/XX/XXXX went through successfully, covering the final bill. ( The statement also showed the payment due date of XX/XX/XXXX ) On Thursday, XX/XX/XXXX, I called back to confirm they received my email. During this time the woman I spoke to said my charge was due to me owing $ XXXX month and only paying $ XXXX month. At this point I told her to refer to the statement credit at the bottom of the invoice, showing I was given a promotional credit of {$10.00} off my regular monthly bill. I was told they would follow up via email. 

On Friday, XX/XX/XXXX, I received an email back from XXXX XXXX ( XXXX ) saying I was being billed for XXXX. She told me the statement I sent her was from XXXX. 

On Monday, XX/XX/XXXX, I sent the same statement with the dates circled. She followed up saying that there was more than one month that had a balance that was unpaid. 

On Monday, XX/XX/XXXX, I emailed Valor VIP asking specifically which month showed a balance. I also sent over confirmation of payments from all of XXXX. After not hearing back, I called again at the end of the day. I was told they were looking into it and then was hung up on. I called back, and was hung up on again. I called back one final time, and the woman stated she didnt know which month I owed and that she wouldnt be able to share that information with me. I asked if this meant the debt was cancelled, to which she replied no and hung up on me again. 

I am grateful I was able to download all of these statements and payment confirmations when I did. Upon logging into the app today, on XX/XX/XXXX, my billing section now shows access restricted and I am no longer able to see the statement balance and payment history. I do believe XXXX is attempting fraud, and I suspect its happening to others as well.
Product: Credit card or prepaid card

These losses were suffered on XX/XX/XXXX and XX/XX/XXXX after being contacted by a person who identified themselves as an officer of the attorney general. He informed me that someone was using my personal information to commit fraudulent federal crimes and I had to liquidate the funds from my bank account prior to my social security number being frozen.

The fraudulent person swindled and scammed {$6800.00} via pre-paid gift cards that I purchased under extreme mental and emotional stress. He told me that I was being followed and I provided my personal work schedule and other intimate details of my life via text. After not receiving an email with additional steps at the Social Security office, I immediately called the police on XX/XX/XXXX to file a police report. I also called Capital One 's checking and credit card departments to inform them of what happened. The agents I spoke to were able to dispute the charges listed under the disputed charges list as they were from XXXX XXXX and had posted in the system. The remaining fraud claim numbers are for charges made at XXXX which posted a day or two in Capital One 's system. I have provided a 90 page document showing the police report, gift cards with proof of purchase, and have sent rebuttals back informing that the merchant 's policy is no refund on pre-paid gift cards. The police officer I spoke to informed me to call the phone number on the back of the gift cards to see if it's possible to get the money back as a refund. When I called the gift card merchant, they informed the funds were taken the same day. Capital One 's policy states that since I made the transactions myself, they are not considered fraud or disputable and since the merchant won't refund them back the money, they have reversed all provisional credits as debits in all 4 accounts. So I have lost everything and have nothing to show for all funds stolen from me.
Product: Debt collection

I can not recall the exact date, but approximately 2 weeks ago I and my wife started receiving calls every day ( including weekends ) about a debt my wife owes. The company claiming to be ProCollect will call me first, before calling my wife ( who allegedly owes ). They will give us a number to call back, and one day my wife decided to call them and try to figure out what this debt is. Once the company had been contacted they were extremely rude, unwilling to cooperate and said that we can not set up a payment plan for the debt. They also said they will only accept using our banking information or overnight a check/money order. Then once we said we MIGHT use the overnight method they went back on their word and said [ ... ] thats not how our system works. And after that my wife continued for a short period and then we said we will contact them at a later point. After that point they continue to repeatedly call us.
Product: Credit reporting

Equifax has conducted XXXX investigation. every investigation they remove my late payment from XXXX XXXX and bring it back again. i 'm sick and tired of their work. i 'm in the middle of a home loan closing and equifax re inserted the delinquency when it has fixed for 5 months. i pulled my credit report on XXXX XXXX 2015 the late payment was not there. i pull my report today the payment comes back again. i 'm attaching the copy of my credit report that i pulled and a letter from XXXX XXXX that the delinquency has been fixed from their side.
Product: Debt collection

I had a homeowner 's policy with XXXX in XXXX as a requirement for financing. The financing was not approved, due to a title issue. I decided to rent the property, and XXXX did not offer a landlord policy. I cancelled the homeowner policy in writing. It was confirmed, apparently, by the fact that my auto payments were no longer debited. In fact, I had overpaid for the prorata period of coverage and was owed a refund. 

Later, I received collection calls. After inquiry, I found out that XXXX had continued to charge me for a policy beyond my cancellation date, and then " cancelled '' my policy and sent the " balance '' to collections. I was never sent any delinquency notification by email or mail. 

I attempted to resolve the issue with XXXX. They told me XXXX ) that they did not " accept '' cancellations in writing. XXXX ) That the cancellation was not " accepted '' because I did not enter into another policy. XXXX ) AAA only communicated by mail to the subject property address, even though it does not accept written correspondence on the policy and all of my documents were sent online. XXXX XXXX XXXX had suspended my automatic payments in XX/XX/XXXX, but for no reason which could be explained or was related to my cancellation. 

These acts were specifically in violation of Michigan law under MCL XXXX ( XXXX ) ( a ) ( b ) ( c ). 

In XX/XX/XXXX, I disputed the collection reporting to the credit agencies and reported it to CFPB and DIFS ( Michigan ). The account was deleted from my report in the same month. However, XXXX recently " updated '' the account to re-appear on my credit report, adversely affecting my credit score and terms under which I received a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXXXXXX ), Account # XXXX ( XXXX XXXX XXXX ) and Account # XXXX ( XXXX 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 a account without my written instructions.
Product: Credit card

I purchased a coat in XXXX 2014 on Ebay and used my Paypal account. The coat was NOT the real thing and I was told by the seller in XXXX XXXX to send it back using USPS and I would be refunded the money. The cost of the coat was {$400.00} I had it insured. The seller in XXXX XXXX claims she never received it. The USPS says it was delivered and gave me a delivery receipt. Filed a complaint with PayPal and they denied it because it was 45 days after the purchase. Now I do n't have the coat and I am obliged to pay the {$400.00} to PayPal with interest. I filed a complaint with XXXX. to no avail. 
This is fraud and PayPal should stand behind their paying customers.