23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 NumbeXXXX Account Name XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a 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.

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: Money transfer, virtual currency, or money service

Today XX/XX/2018 I sent money to XXXX through remitly but the peyer was unable to complete the transaction due to some personal information that they need from me.after 6hr I called remitly and ask the reason for the deley so they notify me we agreed to send the money to another bank and in order to do so remitly had to get in touch with the peyer to liverate the funds to remitly and resend the money once remitly got the money they notify me through email and text message so I called remitly to resend the money but the associate person who attended me make a mistake and cancelled the transaction from remitly and I have to wait 10 office days in order to get my money back when I need the money to cover some expenses for my love ones.
Product: Credit card or prepaid card

I was sent an empty debit card that was supposed to be my unemployment funds, that has been over a month ago and no updates, no money transfer, no help at all.
Product: Student loan

I called MOHELA and at the beginning of XX/XX/XXXX and asked how my monthly payment was calculated. The last of my tax returns that they have received from me is from XXXX, which is consistent with the rules of the student loan repayment pause. My payments then were roughly XXXX $ ; now I am to pay roughly XXXX $ without clear reason why. I called back 2 weeks later ( on XX/XX/XXXX ) after I had been told to expect a response in 5-7 business days. When I called back I was told I would have a response by end of XXXX. Yesterday, XX/XX/XXXX, a new message was sent stating I could expect a 90 day response time. As a result, I will be paying more than 5 times what I owe and have no recourse in this situation at no fault of my own.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX I firmly believe that this restriction is a result of a misunderstanding, as I have always adhered to PayPal 's policies and have not engaged in any unauthorized activities. 

Maintaining a positive and trustworthy relationship with PayPal is of utmost importance to me as a loyal user. I am fully committed to resolving any concerns or issues that may have led to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, as I have done in the past. 

Thank you for considering my appeal. I kindly request that you initiate the review process promptly. If there are any specific documents or details required from my end to facilitate this process, please do not hesitate to inform me. 

I appreciate your attention to this matter and look forward to a swift resolution and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Product: Checking or savings account

We ( XXXXXXXX XXXX XXXX XXXXXXXX ) opened a small business checking account with XXXX XXXX  in the year XXXX. Account Number XXXX and XXXX. 

We have held this account for almost 20 years including the transformation of XXXX XXXX to TD Bank. 

We have never had a problem with our account until XX/XX/XXXX. 

In XXXX of XXXX we experienced our monthly checks to our creditors for mortgage, utilities etc were not being paid even though we had deposited the funds into our account. 

After hearing from our mortgage holder and several utility companies that they had not received our monthly payments we contacted TD Bank. 

A representative from the bank informed us that a partial hold was placed our our account. Meaning that we were able to make deposits but not withdrawals and none of our checks would be able to clear. 

After repeated calls ( over 20 ) to the risk management officer, who never returned our calls we spoke with another representative form TD Bank who informed us she had never seen anything like this before. 

She stated that a walk in hold was placed on our account. The bank never contacted us by phone, email or regular mail. 

This incident caused much harm to our payment history for our creditors and much anguish anguish for our financial team. 

Ultimately several people from the ministry went into a branch office and met with a representative who removed the hold from our account and instructed them to close out th account. We were offered the opportunity to open another account with TD Bank. 

We closed the account and decided to move to another bank. 

We believe that the conduct of TD Bank was a violation of our consumer rights, the right to due process and our civil rights as a XXXX organization. 

We received no notification concerning this hold and no documentation. To this day no one has taken responsibility for these events. 

We are asking for acknowledgment from the bank for their actions and that the bank be sanctioned and or penalized accordingly.
Product: Consumer Loan

I had a XXXX Nissan Altima financed with them for just over a year with no problem. XX/XX/XXXX. I called to try and get XXXX. payment deferred they said that would be no problem. They took the payment anyway then claimed that the finance department did n't get the paper work on time. I was told that the payment {$310.00}. would be back in my account within 24 to 48 hours. Three days later I was told that I had to send them my account information in order for them send my payment back, which made so ne since to me because I had the automatic withdrawal so they should already have that info. I was also told that it would be 7 to 10 business days for me to get my money back. I was also told that I would have to email the account info. to them. I went to exeterfinance.com like I was told. I did not get Exeter finance, I got an error message saying " the page could not be displayed ''. When I called back again, I was told that I could give my account info over the phone. Every time I called to get this resolved they pushed to date back for getting my money. My electric was shut off because of this. I told them that I was going to get my car refinanced to get it away from them. Which I did, they were notified of this and they took the next payment deliberately. Now they tell me that it will take a month to get that payment back. I have reported this to the F.B.I. on their payments scam website. My next step is to contact The Federal Trade Commission and the XXXX and the XXXX XXXX XXXX.
Product: Bank account or service

US Bank at XXXX , branches are XXXX run by XXXX teller actions to discretionally deny service to customer and close their account. On XXXX, I commented on a Sr. Teller/ about her unwilling to answer a quick question which she may not know, yet got offended, she shut out the window to my face and told me " You do n't talk to me like that. ". Then she further boycott me with her cohorts in another close branch to deny my service. Three months later, I went to pay my credit card with cash and was denied service which caused credit card fee from {$27.00} to {$290.00}. Then the complaint was addressed to regional manager who " joined '' as cohort to close my checking account to XXXX customer. They acted more than " queen and king of the hill '' in manipulative, abusive conduct which I was more than shocked. I would advised ANYONE NOT TO DEAL with this crooked US BANK for your own protection. Do NOT empower this bank to damage our community and our life.
Product: Mortgage

Was forced to file Chapter XXXX Bankruptcy in XX/XX/XXXX Chase did not show up at bankruptcy court I am not liable for the debt that Chase is foreclosing on Chase reps have been impossible to deal with I HAVE STRUGGLED TRYING TO SAVE MY HOME FROM FORECLOSURE
Product: Money transfer, virtual currency, or money service

I was invested through e mail technology in XXXX at FIRST MIDWEST BANK XXXX Sum of legally Paid for me US {$5.00} XXXX XXXX for me from United states of Government legally so it was informed to me by United states of America XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION XXXX XXXXXXXX : Thanks for your email and response in confirming you don't know XXXX XXXX. we have filed a report in having him arrested for false claim in stating you sent him to claim your fund. 

This is to notify you that we have finalized your fund transfer process and also forwarded a telex message to the payee bank which is the First Midwest Bank to effect your payment through their online banking system. It has been settled by the government that the XXXX XXXX XXXX United States XXXX will be transferred through First Midwest Bank. 

Your information has been forwarded to First Midwest Bank to enable them to set up an online bank account with your name and information to enable you Transfer your fund from their online account to any of your local bank account coordinates. 

For a satisfactory payment relief and acknowledgment, you are directed to forward your Claim request and inquiries to the First Midwest Bank via their below operational Channel email address below : Contact Person : XXXX XXXX XXXX XXXX XXXX XXXX, Email : XXXX after I was up dated to XXXX XXXX I was Contacted the Bank XXXX of XXXX XXXX XXXX XXXX XXXX for my investments And to date what I was invested to This Bank No Any responses for al legal funds?
Product: Credit reporting or other personal consumer reports

This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Debt collection

I order a credit report and see this company I have never heard of. I give the company a call at the number listed on the report and try and resolve an issue and instead of helping they kept trying to get me to give them personal identifiable information and I refused. The name of the company is XXXX XXXX. It appears that they are trying to collect a medical bill that is not owed. I was and still are a recipient of Maryland State Medicaid. I  am not sure why this bill out of the many paid by the state is being directed to me. I do not owe this bill.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and TransUnion credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover is reporting a account on my credit files this account is fraudulent never opened with this company someone obtained my complete identity stole mail out of my old mailing address mailbox changed questions on my credit file and more
Product: Checking or savings account

I used Flagstar Bank 's online bill pay to send a check for {$XXXX} to XXXX XXXX and she never received the check. I wanted to know what happened to the check and I wanted the money put back into my account. I contacted the bank online twice and received NO response of any kind.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act 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 instructions15 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: Mortgage

mr cooper and XXXX XXXX  has conspired to movenecess escrow back a d forth without refunding the surplous per respa to homeowner myself in this case, in XX/XX/XXXX i wasn transferred from mr cooper to XXXX with that transfer went a XXXX escrow surplus, i notice in XX/XX/XXXX my account at mr cooper had a surplus which cooper has refused to refund despite in XXXX XXXX writing off the debt discharge on my 1099 and the same its a kick back of escrow pmi folded in and was left off the books of XXXX XXXX cooper has edited my statement since discovery 3 times and can not explain why 2 years letter the surplus is sitting a d wontpay homeowner. 

i have reconciled the numbers from statement to aounty records to records and the surplus is owed to me and i want my $
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been pretty consistent with paying my bills on time. I'm saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit I didn't understand until I checked my credit report. I see two XXXX XXXX accounts that are not mine. I've contacted the police and FTC. These items are still on my credit report : XXXX XXXX, XXXX XXXX.
Product: Debt collection

Today I received an alert that a collection item had been added to my credit file. I never received a letter from this company informing me of a bill of any sort. I was not afforded the opportunity to examine or refute anything in accordance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do no recognize to following inquiry XXXX XXXX XXXX Inquiry from XX/XX/2017. Please investigate to ensure there is no fraudulent activity.
Product: Payday loan

I took out a loan from them thinking it was legal. After looking into my state laws they could only charge me 10 % they were charging me over 600 %. Violation in state law. I am protected under state and federal law. I do n't have to listen to no Indian tribe. I went to an attorney and they did n't respond to his request so he advised me that it is illegal and I do n't have to pay it.
Product: Vehicle loan or lease

It was recently brought to my attention as a former client of Wells Fargo, that Wells Fargo was ordered to pay damages and other costs to former " Wrongfully Repossessed Borrowers '' by the CFPB and I quote " Wells Fargo had systematic failures in its servicing of automobile loans that resulted in {$1.00} XXXX in harm across more than XXXX XXXX accounts. The bank incorrectly applied borrowers payments improperly charged fees and interest, and wrongfully repossessed borrowers vehicles. In addition, the bank failed to ensure that borrowers received a refund for certain fees on add-on products when a loan ended early. '' As you know, I filed previous clients within the last year about Wells Fargo wrongfully repossession my " XXXX XXXX XXXX '' and refusing to return the vehicle after several attempts to recover my stolen property, nevertheless through the assistance of the CPFB Wells Fargo released the car back into my possession after a month of " captivity ''. I was severely affected by this and suffered severe damages at the cost of Wells Fargo Bank. Nevertheless, I called Wells Fargo XXXX XX/XX/XXXX and Wells Fargo associates explained to me that they were " unaware '' of any CFPB claims for damages ''. I spoke to several associates who mentioned the same thing, even though this is on national news. There is no protocol in place, without a doubt Wells Fargo do NOT have any intentions on issuing payments even after being ordered by the courts to " Provide more than {$2.00} XXXX in redress to consumers : Wells Fargo will be required to pay redress totaling more than {$2.00} XXXX to harmed customers. These payments represent refunds of wrongful fees and other charges and compensation for a variety of harms such as frozen bank accounts, illegally repossessed vehicles, and wrongfully foreclosed homes. Specifically, Wells Fargo will have to pay : More than {$1.00} XXXX in consumer redress for affected auto lending accounts. 
More than {$500.00} XXXX in consumer redress for affected deposit accounts, including {$200.00} XXXX for illegal surprise overdraft fees. '' I, XXXX XXXX XXXX am officially requesting my full payment of {$4000.00} plus interest, and or any additional amounts as determined by the courts immediately. In addition, I would like for Wells Fargo to remove their fraudulent credit collection account from my credit report, causing me to lose over 50 FICO points, I suffered tremendous losses due to these fraudulent activities of Wells Fargo bank. 

As a former employee, I find this extremely alarming, I was once fully committed to Wells Fargo and remained unwavering even while other associates were stealing money and manipulating clients, my faithfulness remained perfectly intact and I am absolutely appalled that in recent years, Wells Fargo has repeatedly repaid my unwavering loyalty with heartachingly pain and suffering. As my former team members were being dragged to prison ( arrested on site, in front of all of us ) for stealing money, I was committed to training new hires and devoted to the development of Wells Fargo empire. I am absolutely devasted about the unwilful compliance of Wells Fargo Bank.
Product: Checking or savings account

On XX/XX/2022 {$200.00} was transferred from my Capital One Bank account to XXXX XXXX. I did not initiate this transfer. On that same day I checked my XXXX XXXX and the funds were never deposited so I did a fraud investigation. Capital One Bank provided a provisional credit of {$200.00} and took it back after my claim was denied. I provided documentation showing the funds never came to me and disputed it again with the same results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card details from XXXX were sent to experian, the amount did not initially match the XXXX amount that was listed in my account. The impact of this was a warning that I had exceeded more than 50 % of my credit at XXXX, which is nowhere close to XXXX. 

This was rectified back to XXXX A month later, this change seems to have been reverted, and this has once again damaged my credit. 


Both of these mess ups are in my record, they both need correcting, in accordance with financial regulation and GDPR.
Product: Debt collection

I am submitting this complaint to bring to your attention a serious issue with my credit report. Midland Credit Management is reporting inaccurate information on my credit report, which is causing me financial strain. Despite my formal disputes to all three major credit bureaus, I have not received a response from the company verifying the debt. 

I believe that the credit bureaus have failed to conduct a reasonable investigation into my dispute, as required by law. The courts have consistently ruled in cases such as Cushman v. TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet ( XXXX ) that credit reporting agencies can not simply " parrot '' data from creditors and collection agencies. Instead, they must conduct an independent and reasonable investigation to ensure the validity of the debt and the integrity of the creditor and collection agency in question. 

In my case, the credit bureaus ' response to my dispute was inadequate. They merely sent a generic form through the XXXX system, which does not constitute a reasonable investigation. I request that the CFPB investigate this matter and take appropriate action to ensure that the credit bureaus are complying with their legal obligations to investigate disputes in a reasonable and thorough manner.
Product: Mortgage

I visited a new build property for a townhome ( XX/XX/XXXX ). I was offered a promotion for closing costs to be paid with a seller and lender credit and prequalified for a rate of XXXX with preferred lender. Signed Purchase Agreement ( XX/XX/XXXX ) The new build was expected to be completed within 90 days ; however, they did not lock in my rate, offer to lock in the rate, or provide me with any options. The have since sent me Closing Costs Worksheets ( XXXX ) with numbers requiring me to pay thousands of dollars in discount points that should be covered with my credits, pay an interest rate no lower than XXXX, and have a monthly payment around {$300.00} a month higher than expected. The seller and preferred lender are then being compensated using the credits they offered me by forcing me to pay for the discount points and steering me into a loan that does not benefit me. I responded with the best scenario being the rate of XXXX on ( XX/XX/XXXX ) and started asking my questions. When I ask questions on the max limit in credits they can provide, explain the discount points, explain why my down payment, which hasn't changed, is not considered enough for my minimum investment, I am not provided with any answers. The appraisal also includes screens on the windows and the screens were missing. When asked about them, they are making me pay for them, when they should be standard.