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

Received an email saying that I was a route {>= $1,000,000}. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - CITIBANK XXXX NEW YORK XXXX, FOREIGN OPERATIONS DEPARTMENT ADDRESS : XXXX XXXX XXXX, XXXX, NY XXXX OUR REF : XXXX/XXXX   From Desktop of XXXX XXXX XXXX DIRECTOR OF FUNDS CLEARANCE UNIT. 
E-mail : XXXX Attention Fund Beneficiary, Payment Release Instruction from XXXX   XXXX  Bank of New York Acting on our capacity as the international correspondent bank to the XXXX XXXX XXXX XXXX, this is to officially notify you that we have received a confirmation advice from the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank, XXXX XXXX XXXX and the XXXX XXXX Bank XXXX XXXX respectively via International Payment Voucher Number : XXXX requesting our bank Citibank of New York, to disburse your due wining/inheritance contract payment valued at XXXX XXXX XXXX XXXX XXXX United States Dollars ( US $ XXXX XXXX in your favor. 


In consideration of the above, you have been issued with this Exclusive Reference Identification Number ( XXXX ) Transfer Allocation No. : XXXX, Password : XXXX, Pin Code : XXXX, Certificate of Merit No : XXXX, Release Code No : XXXX ; Secret Code : XXXX. Having received these vital payment numbers, you are instantly qualified to receive and confirm your payment within the next 96hrs. As necessary clearance has been granted from the XXXX XXXX Funds XXXX Auditors to release the funds to you with immediate effect. 


In view of this directive received from the XXXX XXXX Funds ( XXXX ), we have on our own part verified your payment file as directed to us, and your name is next on the list of outstanding fund beneficiaries to receive their payment at this Second quarter of year 2019. With that being done, you are required to urgently contact Citibank in XXXX We wish to inform you of the need for you to also re-confirm the following information before the Citibank to enable us proceed with the preliminary arrangements that will enhance the immediate release of your funds. Owing to security reasons, be clearly informed that we will not respond to any phone calls/general inquiries placed to our bank with regards to the remittance of your funds by beneficiaries as we are barred from doing so, you are therefore advised to communicate only with the accredited officer for further remittance advice. 


1 ) Full Name ; 2 ) Full Address ; 3 ) Your contact telephone and fax number ; 4 ) Your Age and Profession ; 5 ) Copy of any valid form of your Identification ; 6 ) Your Bank name ; 7 ) Your Bank Address ; 8 ) Account name and Number ; 8 ) ABA/Routing Number ; 10 ) Swift or Sort Code : Thank you for your anticipated co-operation. 

TREAT AS URGENT. 
XXXX XXXX XXXX XXXX OF FUNDS CLEARANCE UNIT. 
CITIBANK NEW YORK -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX Shellpoint purchased my loan from XXXX I had a balance with XXXX of {$130000.00} and paid of {$7000.00} before they took over now I have a balance of XXXX. I also began a modification review with Shellpoint in XXXX of XXXX because I couldnt pay XXXX of mortgage and it went up again to XXXX so I requested a modification I fell behind but always paying. On XXXX I requested a modification and they continued to charge late fees, and other fees while under review. I then got an approval letter in XXXX XXXX, XXXX to immediately begin paying a trail payment of {$960.00} beginning XX/XX/XXXX not giving me a chance to recover what I was behind XXXX and XXXX. They have since reported me to all three credit bureaus at a highe mortgage payment owed XXXX instead of what I actually owed thats unclear {$130000.00} and Late payments for the months in which I was under review for the modification affecting my credit by aproximately 40 points from where I was hurting my credit. Covid 19 took a toll on everyone and Shellpoint didnt take this into consideration and continued to report my balances incorrectly and lateness while under review.
Product: Credit card or prepaid card

ADDENDUM : ( Amazon/Synchrony ) On XX/XX/2022, I received a suspicious email stating that I had received a digital letter response from Synchrony Bank and my zip code was required to open to open this letter. I deleted this email. I then checked my account again with Amazon/Synchrony because of a previously submitted CFPB complaint sent onXXXX concerning an incorrect account balance of {$240.00}. When I opened my account again, I discovered that my account balance has now increased to XXXX. I have not made any additional purchases.
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERYINC. #  XXXX , #  XXXX , #  XXXX , #  XXXX , #  XXXX , #  XXXX , #  XXXX  information. I believe under th e Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from   XXXX   XXXX   XXXX   . but I am   unaware of the amount due and your bill does not include a breakdown of any fees.   Additionally, I am allowed under th e HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permi ssion to CHOICE  RECOVERY INC. to  release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than that is to only be revealed with the patients authorization, therefore my request   is two fold and as follows, Validation of Debt, and HIPAA authorization.
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
3.Cease any credit bureau reporting until debt has been validated by me.
4.Please send this information to my address listed above and accept this form  al complaint as my formal debt validation request, which I am allowed under the FDCPA.   Please note that falsification of the information you received from any medical provider can be percieved as  a HIPAA comp liance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.   Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it  may be a vio lation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX Balance : {$210.00} ( Original Creditor : ) XXXX Balance : {$520.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Scammer claiming to be a billing agent for XXXX XXXX called and said my electricity would be shut off if I did not immediately pay a bill of {$490.00}. I agreed to pay and they said I needed to use Zelle and put my case number in the note on the Zelle payment. 
I was assured that I could pay the bill in person at a XXXX  XXXX, but I had the option to pay through an app. 

I checked my bank statements and saw that my XXXX XXXX bill is autopayed from my XXXX checking account and was paid recently. 

Called XXXX to have them cancel the payment and they said there was no recourse because I had approved the payment. I did indeed approve, but only because I THOUGHT I was paying a utility bill, not a scammer. Scammer required I put " XXXX '' in the memo for Con XXXX billing. 

XXXX said they would investigate, but shouldn't Zelle be accountable for these fraud schemes? 1. They are making money from illegal transactions. 2. For larger payments, there should be some delay or buffer to prevent this. 3. Zelle should be able to easily connect user activity to an individual and hold them accountable. It's not hard. 


The banks that own Zelle are abetting criminals.
Product: Credit reporting or other personal consumer reports

I sent personal information letters to the bureaus urging them to remove any personal information that is incorrect or inaccurate while providing the necessary documents. EXPERIAN and XXXX XXXX continues to report inaccurate names and an incorrect address on my report. 


Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. 15 USC 1681 clearly states : It is policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy, security and confidentiality of its customers non public personal information. 

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Mortgage

I sent a complaint to M & T Bank and they did not respond to my question instead M & T Bank replied with useless documentation. I am requesting that M & T Bank : 1 ) Show me a financial transaction record of monies received from XXXX XXXX  to pay-off my Hudson City Savings Bank mortgage XXXX. I need to verify if the amount that they received from XXXX  XXXX to pay-off my mortgage. 

2 ) Confirm that HCSB has no record of receiving any money from XXXX  XXXX. 

XXXX  XXXX NOTE is contingent on my receipt of a {$130000.00} loan from XXXX  XXXX. If HCSB has no record of receiving the money than please let me know because according to the NOTE XXXX  XXXX  prepared HCSB was not the intended payee. XXXX  XXXX claims that the contract is bound because the document is initialed. All I can say is that I would never initial the NOTE unless I received the check from XXXX  XXXX. XXXX  XXXX has no proof of paying anyone and there is no record of the mortgage being satisfied, no release of lien and no discharge of mortgage. In addition the XXXX XXXX insurance legal description is not any where near the deed location.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraudulent charge placed on my credit card in XXXX XXXX XXXX. I contacted Bank of America to report the fraud. The charge was not removed until XXXX XXXX XXXXXXXX and my account was reported to the credit bureau as late for XXXX through XX/XX/XXXX. This is incorrect as there were no other charges on the account, only the fraudulent charge.
Product: Credit reporting or other personal consumer reports

The inquires below are fraud and are not mines. 


Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

see attachments U.S. Constitution - Article 1 Section 10 Article 1 - The Legislative Branch Section 10 - Powers Prohibited of States No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. <P/>I am under the impression that not only is the contract null and void because it is missing signatures from other parties. But on the grounds that the bank never provided full disclosure. I was never told that the loan is to be paid for by the stock exchange and or other entities with my signature I was not loaned or given any silver, gold, coins or oil so I ask you. What was loaned and to whom was it loaned to? <P/>Just for the record what was the pay off?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this complaint to address a response that I received from XXXX XXXX via mail. I submitted a complaint to the CFPB about XXXX Bank obtaining my consumer report without a permissible purpose or consent from me the consumer. this is my final attempt to settle before I escalate this matter to arbitration. XXXX Bank has in fact admitted to being guilty of 1 count of obtaining my consumer report under false pretenses and without consent from me the consumer. XXXX BANK obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from Equifax. XXXX bank committed identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( 3 ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. XXXX BANK ( XXXX XXXX XXXX ) obtained my consumer report under false pretenses and without written consent and have admitted to this crime in their response to my complaint and they shall now be held liable. They responding letting me know that they asked the CRA to update the inquiry on my report, but there still was no permissible purpose or consent given to them from me the consumer to obtain a copy of my consumer report. they were supposed to conduct a permissible purposes audit but have failed to do this and provide me with any results. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; XXXX bank is in violation of 15 U.S. Code 1681q and 15 usc 1681b ( 2 ) and 1643 of this title unauthorized use of a credit card which is defined as my social security number. under title 15 usc 1602
Product: Money transfer, virtual currency, or money service

This complaint is about how I had ordered a product on XXXX and the person I sent my money to ( through XXXX on the Bank of America app ) never sent me my product. This is completely unfair as Bank of America does not even have a proper warning of how they do not have any kind of fraud protection. Not only do I believe I deserve reimbursement for the {$210.00} I lost cause of this important knowledge Bank of America failed to correctly advertised, but I also believe this needs to be something that is extremely clear for all users of the Bank of America application. For such a trustworthy bank I thought there would be protection for something like this and I am extremely disappointed in my experience with this bank so far.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed an account was added that I don't recognize so I want it removed from my account because it is showing as negative. Please remove it!!!!!!!! 


Account Name XXXXXXXX XXXX Account Number XXXX Date Opened XX/XX/2023 Balance {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  2017 I  sent a letter via certified mail with return receipt to  XXXX  and Equifax Consumer dispute center in regards to removing unauthorized inquiries from my credit report as are my rights under FCRA. On  XXXX   XXXX ,    2017 I re ceived notification via USPS that the letter had been received by   XXXX    and Equifax. I have yet to hear anything from   XXXX   or Equifax regarding this matter. I have not received notification that my dispute has been received. I called  XXXX  and Equifax Customer Service disputes dept on  X/XX/2017   , I was told by a representative that they have not received my letter in regards to my dispute although I have proof that they sign for the certified letter. This is unacceptable and unlawful. My rights have been violated, I am entitled to a response from my inquiry per FCRA regulations.
Product: Checking or savings account

Wells Fargo Financial Services offers XXXX through their online banking services as a form of payment. On XX/XX/21, someone set-up a recipient that I did not authorize, nor did I receive an email from Wells Fargo or XXXX asking if this recipient was authorized by me. On XX/XX/21, two separate payments of {$2000.00} and {$1500.00} was sent to a XXXX XXXX. In addition, on XX/XX/21, another XXXX payment of {$500.00} was sent to XXXX XXXX. On XX/XX/21, I logged onto my Wells Fargo account and saw {$4000.00} was withdrawn from our savings account through XXXX to XXXX XXXX. I called Wells Fargo and they started a fraud investigation. I deleted XXXX XXXX from my XXXX account through Wells Fargo. After 10 days, I received a letter from Wells Fargo stating that the transfers were already approved and processed, and they were unable to stop or reverse the funds. They notified the receiving financial institution and the XXXX network about the scam and asked for the funds to be returned but there is no guarantee that we will receive the money. Wells Fargo said the claim was now closed.
Product: Money transfer, virtual currency, or money service

Zelle - money sent and product never received. Lost my money bank said that there was nothing they could do about it. I have XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reportin that there's been an error on my credit report under this account " XXXX XXXX XXXX '' It's indicated as 30 days late on XX/XX/2023 which is not true, because I always pay this account on time and never missed, not even once.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date Opened : XX/XX/XXXX  Amount Owed : {$430.00} I have checked my credit report and I seen an account that is not mine. Experian is the only credit bureau reporting this account. I have a screenshot of all the credit bureaus side by side and Experian is reporting an inaccuracy. By the provisions of the Fair Credit Reporting Act, I demand that this account be investigated and removed from my credit report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX last XXXX of ss # XXXX XXXXXXXX XXXXXXXX Account Number : XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : XX/XX/XXXX XX/XX/XXXX {$260.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX, XXXX Account Number : XXXX  Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$120.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$720.00} Credit Card Opened by the Thief XXXX XXXX XXXX XXXX XXXX XXXX XXXX IDTheftReport Company or Organization : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : XX/XX/XXXX XX/XX/XXXX {$730.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : XX/XX/XXXX XX/XX/XXXX {$430.00} i am disputing the following information on my XXXX, XXXX , and Experian credit report as it in inaccurate and negatively affecting my credit standing. The reported item from the following creditors with the account numbers located above is incorrect due to the identify theft. I did not authorize this account, nor do i owe the claimed amount. This error is causing unnecessary damage to my credit score, which is impacting my financial well being. I am requesting under FCRA 605B ( 15 USC 1681c-2 ) that this inaccurate information be investigated and removed from my credit fi le. I have attached supporting documentation such as my photo ID and proof of address, to verify me and ensure this matter is resolved promptly. I appreciate your immediately attention to this issue and request that i be informed of the outcome of your investigation ASAP.
Product: Vehicle loan or lease

On XXXX XXXX 2017, I processed an end of lease purchase in the amount of {$17000.00}. The contract obligation was for {$15000.00} with sales tax of {$1000.00}. When I finally received the title 2 weeks later and attempted to process a PA title transfer I was told I needed to pay sales tax as Chrysler had not paid it to the state of Pennsylvania. Here is when the nighmare begins. I have contacted Chrysler Capital/Santander almost daily since XX/XX/XXXX trying to have them take accountability for the whereabouts of what is essentially an overpayment of {$1400.00}. No accountability. No ownership. I submitted a written complaint to the Office of the President on XX/XX/XXXX and since then I 've had nothing but " pass the buck '' unaccountably. I was finally told on XX/XX/XXXX ( albeit 48 days since my formal inquireies commenced ) that they " misquoted my payoff tax for the state of NJ and that the accounting department was trying to figure this all out. '' I live in Pennsylvania. As I attempt to uncover the mysteries of what happened to the {$1400.00}, I am constantly volleyed between customer service reps. Managers and executive in the office of the president are " not at their desks '' when I demand escalation. I 've called daily since XX/XX/XXXX to check on the status when the reps tell me they will call me back and never do. Each time I get a hold of my inept " case manager '' as he apologizes profusely for not calling me back and constantly states " we are working on it, '' or " its stuck in accounting '' and when I press for escalation I get " my manager is away from her desk. '' My frustration grows daily over the gross inadequacy of this company. All I 've been asking for is a resolution to this matter and all I seem to get is a dead end.
Product: Mortgage

Ocwen misreported our payments over the last 6 months and we have tried to get it resolved. We sold our house in XXXX and the loan was paid off however they are still reporting it late and with a balance. The payment status is wrong. Please assist.