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

Dear CFPB, I am writing to desperately ask for your help. I live in XXXX and I was scammed badly and lost all my life savings, plus the money I borrowed from my family and short-term loans/mortgages from financial institutions that I am now unable able to pay back. 

Below is a summary of what happened to me : On XX/XX/2022, an XXXX guest named XXXX XXXX XXXX XXXX XXXX tried to book my house for XX/XX/2022. He then asked me to connect with him via XXXX so he could have further questions. His phone number was XXXX. 

During our conversations on XXXX, he told me that he lived in XXXX XXXX and that he came from XXXX as an investor. He told me that he was very successful in investing in XXXX and bought properties in XXXX  and XXXX XXXX from the profits he had made from XXXX trading. He asked me if I ever invested in XXXX and I told him that I had never invested in XXXX and did not know anything about it. He said he had been trading in XXXX for 8 years and was doing in-depth market analysis and only traded when there was a market node, so it was 100 % safe. 

He asked me to try and guided me to open an account with a trading platform called XXXX, and later he moved me to another platform called XXXX. At first, I put in {$500.00}, then he said the minimum for XXXX  future trading was US {$1000.00} but since I was in XXXX, I had to put XXXX XXXX. I thought Id give it a try. After I put {$2000.00}, he traded it for me and showed me the profit for every single transaction which was XXXX XXXX XXXXXXXX %. He then convinced me to put more money in as he said there were more market nodes coming the following week. He then told me that there will be a bull market coming in XXXX and this was to be said once-in-a-lifetime opportunity and convinced me to sell all my stocks, cash out my RRSPs, and borrow money to seize this short-term opportunity and that once the bull market was over, I could take out all my capital and profits. 

I sold all my stocks, cashed out my RRSPs, got a few loans from my equity line of credit, family and friends After he had me send him money to his multiple bank accounts in XXXX and XXXX, he would not let me withdraw my capital, then disappeared and shut down his fake trading websites. 

On XX/XX/XXXX, I reported the scam to my bank XXXX XXXX XXXX XXXX ), the police in XXXX and the FBI in the US. 

My bank tried to recall the last 2 biggest wire transfers to East West Bank on XX/XX/2022 in the amount of US {$540000.00}. I also contacted East West Bank on XX/XX/2022 and was told that it had frozen the scammers bank account but they did not refund me the money.
Product: Bank account or service

I made XXXX purchases with my PayPal XXXX XXXX XXXX for wine " futures '' - wines which I pay for now, that will be delivered up to 2 years later. Unfortunately, the merchant, XXXX filed for Chapter XXXX Bankruptcy protection ( during the 2-year waiting period ) on XXXX and wo n't be shipping the wine to me. I have neither received the product, nor a refund from XXXX. PayPal XXXX XXXX XXXX is refusing to issue a refund, stating that they only have XXXX from the date of the transaction, to start a dispute. Unfortunately, the clock should start after the product was supposed to be delivered, not after the initial transaction. XXXX XXXX XXXX wines are often purchased as " futures '' two years in advance of receipt.
Product: Checking or savings account

Sending money to a fraudster, scammed me with more than XXXX dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report still contains student loans that were dismissed by US Education and federal government due to XXXX in XXXX, 2020. 

When will these amounts be removed?
Product: Mortgage

I am currently on a forbearance plan with HSBC till XX/XX/XXXX. On XX/XX/XXXX I applied to have my current forbearance balance moved to the end of my mortgage, and resume my monthly payment. I was told I don't have to pay anything till XX/XX/XXXX and I will stay in the current forbearance plan till XX/XX/XXXX. 

I received another wrong monthly statement on XX/XX/XXXX and called HSBC to confirm there is no payment due for XX/XX/XXXX but instead was told that my application for deferral payment was already approved, forbearance plan is ended right away and my monthly payment will resume on XX/XX/XXXX. I called multiple times and requested to speak with a supervisor but every person is giving me different information. According to the supervisor - XXXX, XXXX who I spoke to, my application is approved but the paper work is pending approval, at the same time I was required to make payments, without any written statement or notice. He continued to threat me that I have no choice but to believe him and all the conflicting information i received from talking to their representatives in the past week. 

There are three things I believe they did wrong 1. Ask me to make payment while document is pending approval, and no written statement or notice was given to me. Should i not call them voluntarily, they will start charging late fee and the collection process secretly. 
2. Each person is giving me different and conflicting information, even the same person had given me different answers after digging into the documents. There seem to be a mess in their handling of forbearance application. The forbearance documents are often wrong and not accessible online. I suspect this is not compliant with the regulations.

3. The assistant supervisor - Mr. XXXX, XXXX, said i had no choice on if i can continue my forbearance plan and they can make the unilateral decision to ask me to pay back, which i believe is blatantly against the latest care act that gave borrowers several options to repay the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is currently reporting incorrect information on my credit report. There are 3 collection accounts that are currently showing under " closed accounts '' however they have outstanding balances. These need to be removed IMMEDIATELY as it is inaccurate and is negatively affecting my credit report. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following accounts : 1. A credit card account opened at 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 

These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Let me know if any further adjustments are needed.
Product: Checking or savings account

I have a checking account with CHase Bank and i have several direct deposits, on  XXXX   XXXX   2017  they charged me {$68.00} for iNSUFFICIENT FUNDS FEE for  XXXX  checks in total both for {$50.00} and they did it just in the same day and some minutes before  one of my direct deposit enter. when they applied the first fee was for - {$3.00} and and the same they did in 3 weeks before. that mean they charged me in total {$100.00} for fee for some minutes before of my direct deposit in less of one month. This Bank Chase never help its customer, They just care about profiting from their c ustomers.
Product: Credit card

TD Bank issues and extends credit for Nordstrom branded credit cards. The periodic statement issued is misleading. On page XXXX of the periodic statement, they offer payment options. It states " We offer many convenient ways to pay your bill - pay by phone at XXXX .... '' When you call this telephone number you do not ever get an option to speak to a representative or receive an option to pay your bill. When the telephone number is called all you hear is advertisement/solicitation XXXX after another, nothing else. For example, I called and I heard advertisements/solicitations for XXXX, XXXX XXXXXXXX, XXXX XXXX, multiple vacation offers and coupons. Never once were you given an opportunity to bypass these ads or given an opportunity to pay your bill as stated on the periodic statement. 

This is misleading, unfair and deceptive to consumers. For example, I do not have possession of my physical card and would like to pay my bill. I ca n't set up bill pay with my financial institution as I do not have the full account number. I ca n't choose online payment at norstromcard.com as I do not have the full account number. My only options are by phone or mail. Due to the timing and not wanting to incur a late fee, I chose pay by phone. It feel like a bait and switch by telling consumers they can pay at the aforementioned telephone number and that number is actually just solicitations.
Product: Debt collection

the person they keep calling for does not reside here. My number they call is for work related calls only, and is not given out for contact by anyone. I asked them to stop calling and to add my number to their do not call listed, but they said they do not have a do not call list. this is getting very annoying since they call so early waking me up. this morning it started at XXXXXXXX XXXX and the company information is Contract Callers Incorporated Address : XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

**Dear governor, My name is " XXXX XXXX ``. I am reporting some error information that exist in my credit report. I notice that the employment information and some of addresses that not belong to me and our association. These error information have a really high risk to intervene our business in a way to rebuilding everything again after the Covid-19 Dynamic. Here are employment information and addresses that need to be removed off my credit report***** -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - **EMPLOYMENT INFO XXXX XXXX XXXX ================================== ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX
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. 


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 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To '' ATTENTION XXXX CREDIT CARD MANAGEMENT OFFICER_ FRAUD ACCOUNT NUMBER ENDING.. XXXX as of XXXX at a previous residence in the state of GA. WHEN I WAS IN BRANCH ON XX/XX/XXXX ; I WAS ADVISED DURING THE OPENING OF A PERSONAL BANK ACCOUNT WITH CHASE THAT I HAD A PROFILE WITH THIS " XXXX '' CC WHICH WAS WRITTEN OFF IN THE YEARS BTW. XXXX XXXX? UNCERTAINLY I HAVE NO KNOWLEDGE OF THIS ACCOUNT AS REPORTED TO XXXX ON XX/XX/XXXX. I HAVE BEEN ASKED TO WAIT AT LEAST 90 DAYS FOR COMPLETE REINVESTIGATION. IN THE MEANWHILE, I HAVE NOT RECEIVED THE LETTER DOCUMENT OF STATEMENT ABOUT THIS AT MY CURRENT ADDRESS ON RECORD ''. 
CONSEQUENTLY, I WAS DENIED A XXXX XXXX CC BECAUSE XXXX IS LISTING A VERY LOW CREDITSCORE W/ ENROLLMENT AS I HAD LABOROURED TO ACCOMPLISH A CLEAN SLATE THAT IS NOT REFLECTED HERE WITH THESE ACTIVITIES ''. 
" ADDITIONALLY, I HAVE BEEN ADVISED THAT MY NEW ACCOUNTS ARE UNDERGOING CLOSURE AFTER OPENING ''. CAN YOU LOOK AT THIS MATTER INFLUENCING MY FINANCIAL BANKING RIGHTS TO MANAGE MY MONEY WITH A BANKING INSTITUTION, NAMELY XXXX BANK, XXXX XXXX ''. 
FRAUD COMPLAINT TO CORPORATE MANAGEMENT, XXXX BANK :. " MY DEBIT VISA CARD ... .HAS BEEN CLOSED TO TELEPHONE BANKING. IT IS LINKED TO MY PERSONAL ACCOUNTS. I WAS ADVISED THAT ALL ACCOUNTS AND DEBIT VISA CARDS CLOSED AFTER UNDERGOING REVIEW '' ..IS THERE ANYTHING THAT CAN BE DONE ON MY PART. I PREFER TO KEEP THIS ACCOUNT ACTIVE. '' " Consequentially I was declined a new " XXXX XXXX '' CREDIT CARD UPON A XX/XX/XXXX APPLICATION BECAUSE OF PREVIOUS AND CURRENT CREDIT SCORE and other factors ... .. '' I have needs to utilize my account with debit card. I was advised by telephone lost agent that my account was closed after undergoing a review. I am not in receipt of any such alerts or mailed document. 
I am not understanding if both the checkings ending..and savings account ending ... ..? What about my online access to this messaging feature, would I be able to continue online access? The card ending in ... is linked to these accounts and is it the card that needs replacement?
Product: Credit reporting or other personal consumer reports

I moved from XXXX XXXX XXXX XXXX XXXX, N, Y, XXXX XX/XX/2023. I called XX/XX/XXXX to change my new address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX N.Y. XXXX. My new address was never changed on time. I never received my XXXX statement and I received XXXX statement after the due date, which was XX/XX/XXXX. I sent the payment immediately, then I called them. They were able to waive the {$25.00} late payment, but they still own me $ XXXXlate fee. I have excellent credit score, XXXX plus and my credit score decreased. I want them to restore my credit, I dont have to pay the consequences for their negligence.
Product: Credit card or prepaid card

I reported my account to Synchrony Bank Sam's Club MasterCard back in XXXX because there was some transactions made when I was on active duty orders and I have proof showing I was on XXXX XXXX military XXXX and I keep trying to send them multiple ways through fax and through certified mail and they keep claiming they can't get my orders so now you're saying I have to pay for the fraud when I wasn't even here every time I try to contact them they gave me the same story saying they can't do anything about it and can't reopen the case they say they can't pass me to a supervisor and they can't accept any information any other way. I know they can get my XXXX XXXX XXXX because they have applied them before but now when it comes to fraud they don't want to apply them and want me to pay these purchases that were made in my home state while I was gone
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am concerned about the validity and accuracy of Experian 's recent investigation of Department of Education XXXX accounts, that are reporting on my credit report. On XX/XX/2019 I requested an investigation because I felt items on my report were not being reported legally.I received a letter stating that their investigation complete. 

My initial dispute was detailed and directly related to the account ( s ) in question. 

Department of Education/XXXX was not able to validate any information after I sent a certified letter to them. See enclosure of copy of letter and certified mail receipt to the creditor. 

Experian stated that everthing was verified but showed no evidence of this after I asked them to supply the information. This account was deleted from my account and are not reporting to the other CRA because valid validation and verification did not take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX Balance : {$300.00}
Product: Checking or savings account

Im in writing a compliant again my Navy federal credit union registering multiple over draft fee I have incurred. Despite have sufficient funds when the transaction was authorized.i was charge fees due to lagged posting and credits .This issue align with CFPB finding against Navy Federal for similar practices. Where transaction settled with insufficient balance despite initially available funds .i feel these practices are unfair and request a investigation into my account transaction.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604a section 2 it also states that the consumer reporting agency can not furnish an account without my written instructions under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

. I have the XXXX account on my credit report. It is reporting more than seven years at XX/XX/2011.
Product: Money transfer, virtual currency, or money service

I made a wire transfer for {$500.00} from my XXXX account to a recipient 's Bank of America account. My bank account status is such that I am not charged for wire transfers. However, Bank of America rejected the wire transfer and charged me {$45.00} ( An undisclosed and unjust fee ) for it. I find this completely uncalled for and unfair because the recipient 's details were correct however, my bank informed me that Bank of America simply rejected the transfer.
Product: Bank account or service

I was transferring money to a friend using my paypal account. Paypal first uses your paypal balance, and if it is not enough funds, it automatically draws the remainder of funds from a bank account. As I was making the payment, I noticed it was pulling from an old account ( XXXX bank ). I canceled the proposed payment and changed the " default / preferred '' account to the new account ( XXXX bank ), which was already linked to my paypal acount. I received an email saying that from now on, the new account would be used. I then made the payment, and it drew from the old account. I called them and they said I should have waited half an hour ( Even though I received a confirmation email saying it was available instantly ). They would not cancel the payment, even though it takes XXXX3 days to process and the error was on their end. Now I am afraid I will overdraw the old account and be charged fees.
Product: Debt collection

They have called and emailed me about my balance but I emailed them back telling them I dont have that kind of money. The company didnt make it clear to me. Im in the process of looking for a house so thats putting a dent in my credit. I dont get help from anyone and I have kids. I stopped paying because I read the reviews on the XXXX  and they are scams!