23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Overview : I was a victim of an employment scam, which caused me to lose {$3500.00} that I was going to use to go on a XXXX trip to XXXX. I emailed a potential employer and believed them. I was given a check, which was found out later to be a fraud, which is the first time I have ever heard of that. I deposited money into an account to purchase supplies for my new house keeping job. In the end, my youth caused me to be naive and foolish and lost money I was going to serve others with. This happened two months ago and I am tormented every day thinking I should n't have trusted this person. I could have used the money to give to XXXX and starving, shoe less kids in XXXX. This will haunt me for the rest of my life. I will never forget this and it makes me cry everyday. 
Detailed Description : XXXX contacted me ( XXXX ) on XXXX XXXX. She told me that she found me on XXXX, which I signed up a few months ago.I work jobs such as being a nanny, working in a restaurant and cleaning. I work many different jobs because I am a XXXX XXXX XXXX learning the XXXX, community development and public health. I also go on XXXX trips and am training to go to XXXX to serve the poor. XXXX told me her sister XXXX was moving from XXXX in 3 weeks and needed a housekeeper. I am looking for extra money to serve the poor in XXXX. XXXX 's email is XXXXXXXXXXXX. She said her phone numbers were XXXX and XXXX. I never called the phone numbers. I emailed XXXX back and fourth XXXX XXXX. I was told I would receive {$400.00} a week for housekeeping. Before XXXX arrived, I would prepare the house with supplies. I was promised the key and address after I took care of the housekeeping needs. I was given a check of {$3900.00} to deposit in my checking account on XXXX XXXX. Address on XXXX package was XXXX XXXX Address XXXX XXXX XXXX XXXX CO XXXX tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX. I took out {$3500.00} to put in the store account at Bank of America. Bank Account name : XXXX XXXX XXXX Bank account XXXX. I was notified that the check was a fraud and taken out of my account XXXX XXXX. I never heard of checking fraud before this. I filed a report at XXXX Bank XXXX my bank ) and the police on XXXX XXXX. XXXX XXXX, I received a letter from the XXXX Police XXXX department and they said I am a victim of a 'common scam ' difficult to solve because of throw away cell phones and pre-paid debit cards. I sent in an IC3 complaint on XXXX XXXX. No one is able to help me. I 'm helpless at this point. Please help me, thanks.
Product: Credit card or prepaid card

There was a fraudulent charge on my Barclays jetblue credit cardXXXX from cheap carribbean-on XX/XX/2022. It was on my now closed card XXXX XXXX XXXX XXXX. We tried to resolve with cheap carribbean who has no record of the transaction. 

We have disputed the charge 15 times and have spoken to Barclays about the dispute 5 times. They have not done anything except charge interest and late fees. This is problematic as my credit rating is suffering for a purchase I never made. 

As Barclays refuses to act I have no choice but to complain to you. After over 2 months they appear not to be submitting the dispute as cheap carribbean said they will refund the card if the dispute is received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are 1 unauthorized item listed. As I am sure you are aware, it is my right to request a proper investigation into these fraudulent items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following items, I wish to dispute on my consumer report : XXXX XXXX COLLECTIONS XXXX. By Federal law you are required to list complete accurate information and you are listing fraudulent items. Per Federal Law when a consumer informs the consumer reporting agencies of Identity Theft, you must block or remove any information on the report that is the result of identity theft. I have attached a copy of my Identity Theft report Per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations : XXXX XXXX XXXX XXXX dept of ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act
Product: Credit card or prepaid card

On XX/XX/XXXX, a fraudulent charge in the amount of {$73.00} was charged to my Shell Mastercard ( Citibank ). I immediately made a call to Citibank and attempted to put in a fraud claim, and the representative told me I needed to wait until the charges cleared to take any action, and could not even deactivate my card. The web portal would also not let me report my card as stolen at this time. Believing the representative, I let it be. 

On XX/XX/XXXX, a second fraudulent charge in the amount of {$350.00} was charged to the same card. I ( again ) immediately called Citibank to report the issue. The representative I reached this time was able to initiate a fraud claim and deactivate my card, as well as temporarily reversing the charges pending investigation. 

On XX/XX/XXXX, Citibank reached out, but I have not been able to return their calls due to the opening hours of their Security Operations department ( XXXX M-F ). On XX/XX/XXXX, I attempted a call, but I was then informed of their hours and was unable to proceed ( the XXXX is a saturday ). 

On XX/XX/XXXX, this fraud claim was denied, with no evidence provided as to their decision. I placed a call to Citibank to attempt to escalate or resolve the issue, but they informed me the department in question ( Security Operations ) is not open and could do nothing whatsoever.
Product: Credit reporting or other personal consumer reports

XXXX and the Department of Education are making it impossible for me lead & grow my corporation as the founder and CEO, of a SBA XXXX ( a ) registered company. The company was just denied a business line of credit and credit card by XXXX  XXXX XXXX stating the reasons as delinquent student loans and limited credit profile. I paid the student loans to a {$0.00} balance and did not wait for the government to give me a free hand out forgiveness loan. I worked 365 days straight with no days off to save up to pay off the entire loan balance. Almost 5 years later, the Department of Education is tarnishing my personal character by listing erroneous information that doesnt accurately reflect my character. The Department of Education is listing my accounts as delinquent when I paid them to a {$0.00} balance. This is a clear case of discrimination in lending and a clear violation of my rights under the FCRA. How dare the XXXX  XXXX XXXX representative criticize my ability to repay one credit card with a $ XXXX balance. Yes, I have repaid my one, open installment account to a XXXX balance every month since XX/XX/2023. At the age of XXXX and still leading an active/in good standing corporation for the last seven years in business, Id say we are an ideal business to receive funding from a traditional lender. But at this point its clear to me that the real reason for being denied a business line of credit for an established corporation with no derogatory reporting and an owner with good credit is only because of my race as a XXXX XXXX.
Product: Vehicle loan or lease

i do not give westlake financial permission to report of my consumer report, also, I have request all discoveries concerning this account to verify the reporting as being correct and true. I only remember making all payments on time and never being late. I disagree with the payments history and repossission statement on the account. delete the account from my consumer report.
Product: Credit card

I was notified that an AAA Visa account was opened in my name. I contacted the issuing company and reported that I did not authorize the account. They assured me that they would cancel the account.
Product: Student loan

Nelnet 's response was read to me and it doesn't make any sense. You clearly added about $ XXXX to my balance and that showed at the Student aid website as interest. 

My student loans balance was about {$140000.00} when I checked it after I received an email on XX/XX/2023 from the US dept. of Education indicating that my loans for attending XXXX XXXX  would be discharged. 

I logged in a few days after that to find out that my loans had blown up to about {$170000.00} I believe this was interest added to the principal when my status shows it's in COVID 19 forbearance and will not accumulate any interest. 

Please explain where the {$28000.00} is and why it was added to my loans before some of the loans were discharged. This is fraud since there was not supposed to be interest added I called twice last week and asked to speak to a supervisor and nobody called me back either. 

I don't see any statements pertaining to adding the $ XXXX to my balance and there is no transparency. 

You did not send me an email/letter or statement about the status of my account so this is very fishy
Product: Credit reporting, credit repair services, or other personal consumer reports

A account is still showing incorrect status & account balance on my credit profile after contacting the credit bureau. 

XXXX XXXX XXXX XXXX - XXXX
Product: Mortgage

XXXX  XXXX XXXX sold our mortgage to Newrez Shellpoint Mortgage Servicing. In XX/XX/year>, I requested verbally and in writing the XXXX years of statements that were on XXXX  XXXX XXXX XXXX website along with the refund of last fees incurred. XXXX  XXXX XXXX stated that all statements, the late fee complaint, insurance or property taxes information. were turned over to Newrez Shellpoint. As of today, I have not received the statements or a response to the online requests. 

This is a statement listed on the website Please read : Reponses from our team can take up to 30 days to complete.
Product: Debt collection

I have sent multiple emails to this address listed in this companies website. However I have had no response in trying to verify this debt. This debt has been paid and still no response that the debt was even owed to begin with. It is reporting with missing and in updated information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the account corrected as soon possible : XXXX 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.

1. Account name : XXXX XXXX Account number : XXXX 2. Account name : XXXX Account number : XXXX 3. Account name : XXXX Account number : XXXX 4. Account name : XXXX XXXX Account number : XXXX 5. Account name : XXXX Account number : XXXX 6. Account name : 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 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Bills Of Exchange Act, Federal Reserve Act, 18 usc 241/242, Truth & Lending Act, CDCA, HJR -192, ECOA ( Equal Credit Opportunity Act ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal Reserve Act ( Section 16 part 2 ), and Bill of exchange Act. They also knowingly and willing conspiring to deprive me of human rights under color of law title 18 usc 241/242, while commuting securities fraud. 

Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FACT : 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

FACT : 15 USC 1681 c. ( 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 crime which antedates the report by more than seven years FACT : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( See Attachments ) Loan Debt Transunion : XXXX XXXX : XXXX XXXX : XXXX Total debt Transunion : XXXX XXXX : XXXX XXXX : XXXX Accts Opened Transunion : XXXX XXXX : XXXX XXXX : XXXX Oldest Acct Transunion : XXXX 11 months XXXX : XXXX XXXX 11 months XXXX : XXXX yrs 11 months Average Acct Age Transunion : XXXX yrs XXXX : XXXX XXXX XXXX : XXXX yrs 9 months FACT : ( XXXX ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law. 

FACT : 31 U.S. Code 3123 - Payment of obligations and interest on the public debt FACT : According to Federal Reserve Act Section 16 ( 1. ) Issuance of Federal Reserve notes ; nature of obligation ; where redeemable The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues.

FACT : ( 2. ) Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.

Therefore you should know The original application was used as collateral security and should have been credited to my consumers extended open ended credit account FACT : 15 U.S.C. 1693-1693r : The Act requires financial institutions to adopt certain practices respecting such matters as transaction accounting, and error resolution, requires financial institutions and others to have certain procedures for preauthorized transfers, and sets liability limits for losses caused by unauthorized transfers.
Product: Credit reporting or other personal consumer reports

On or about XXXX of the year 2019, I opened an XXXX XXXX credit card account. This was a valid account linked to my bank account and all the charges up until XX/XX/2019 were mine and authorized. 

However, in XXXX of 2019, various of my accounts were stolen/hacked including my original XXXX XXXX card , my bank account, and a new XXXX XXXX XXXX account was opened up in my name using the previous original and valid XXXX XXXX account for my credit card. I filed an official Criminal Complaint with the Court in the Commonwealth of Virginia about this fraud and theft. 

I sent XXXX XXXX a copy of this Criminal Complaint and a " Fraud Affidavit '' in regards to the illegal activity. 

XXXX XXXX responded by denying my fraud claim based on the allegation that I allegedly didn't notify my bank of the fraud and that it was linked to my bank account. Of course it was linked to my account as the original and once valid XXXX XXXX account was stolen/hacked. Which I find irrelevant and false as I did notify my bank of the fraud. And my bank is irrelevant because I reported the fraud to XXXX XXXX with a valid " Criminal Complaint '' issued by a Virginia Magistrate and Court.
Product: Mortgage

We refinanced with quicken loans. Quicken loans went through all the info with us and the mortgage payment was to include our taxes and home owners insurance. We were given a new mortgage amount and we were happy with the new monthly payment. We decided to go with them. Quicken loans charged us over $ XXXX to go through with the refinance loan. We later found out they made a mistake and did not include our homeowners insurance into the home loan after all the paperwork was signed and done.They admitted to the mistake. Quicken loans just said oops and sorry and now your mortgage is going to be a higher amount. If not, you the home owner, just needs to pay it on your own. How is a company going to state the home owners Insurance and taxes were going to be covered in the loan and now say we ( the home owners ) are responsible for their mistake after docs are signed. I was emailed by a XXXX XXXX and stated that we are terribly sorry and you will need to figure this problem out on your own. Quicken loans collected a hefty amount to make sure all docs were correct and now, all we are getting is sorry our hands are tied!
Product: Mortgage

Ocwen took over my loan from XXXX. It has been nothing but a nightmare since. Ocwen stated that I did not pay my property taxes, so I paid them the deficiency that I owed. After this this ( XX/XX/XXXX ) they have continued to add fees without explanation. The long story short is that each month Ocwen creates new fees out of nowhere. When I try to call to discuss and get an explanation for the fees, I get transferred to a specific guy in XXXX. He will not listen to anything that I have to say. He just repeats himself over and over again or continues to change his story. This has been going on since XX/XX/XXXX. Can you advise what I can do for help? Note : the customer service department had originally fixed everything. Then the research department ( out of XXXX ) reverted everything back the mess it started as. For several months I received several different statements montlly none of which matched. Upon more complaints, they stopped the correct versions of the statements. I finally stopped calling them after a year 's time and looking on line for help. Please help!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) sue to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

There is a debt on my credit report from i c system inc, for a XXXX XXXX bill, this is my XXXX time disputing this account and getting it removed only to be resold to another company. The first time this account posted by collection, i contacted XXXX XXXX, and through there investigation the concluded that this was a fraudulent acccount
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accountant increase appearing on credit report. 
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
Product: Credit reporting or other personal consumer reports

I am initiating an investigation and dispute for these falsely reported accounts on my credit file. Based on the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report on my credit file. I understand that FCRA 605B obligates us to report any incorrect accounts on a consumer 's report.
Product: Debt collection

Company Toyota motors : debt amount XXXX Account was open fraudulently I filed a complaint with identity theft I want this account removed from my report immediately my name was even spelled incorrectly it was opened XX/XX/2017 2017
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received numerous amount of letters about a medical bill saying that Ive visit their department or a 3rd party department which is in correct, I have been to a hospital in over 10 years I have my once a year check up with my doctor which is free cover by my 15 year medical coverage, I contacted the collectors asked if they could validate the information because I w XXXX to k ow how this could have happened and to show me documents of the initial visit or whatever information they are claiming was me, I sent one letter to the collector as well as one to the credit bureaus, I results was not received in a timely manner about 50 days later I received a notification from the credit bureaus that my file had been update only to find out it stated all information was correct, I dont know who they think they are but I would know if Ive ran up a bill Im a responsible adult not a child I always pay my bills, I received no letter or response back from them personal showing me that I initiated the response. Its been months since I last reached out to them I had a lawyer advised me to contact you guys to get to the bottom of this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accurate information on my credit report. Accounts below are not my. FTC volition. 

XXXX XXXX  XXXX open XX/XX/XXXX amount {$750.00} XXXX XXXX open XX/XX/XXXX amount {$700.00XXXX XXXX XXXX XXXX  open XX/XX/XXXX amount {$1100.00} XXXX XXXX open XX/XX/XXXX amount {$5100.00} XXXXXXXX XXXX XXXX open XX/XX/XXXX amount {$300.00} XXXX XXXX  open XX/XX/XXXX amount {$0.00} XXXX XXXX XXXX  open XX/XX/XXXX amount {$470.00}