23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a checking and a high yield savings ( HYS ) account with credit karma ( operated through XXXX XXXX ). They notified me my password changed on XX/XX/year>. I told them that it wasn't me. On XX/XX/year> I was notified my phone number changed. I told them that it wasnt me. I changed the information back to mine while I called Credit Karma. I was on the phone with them for 1 hour and 41 minutes ( mostly on hold ). I told credit karma while I was on the phone that I need to lock the account ( prior to any fraudulent charges ). They said they were unable to do so and kept transferring me to another special team. During that time, money was being transferred from my HYS account to my checking account and withdrawn via a virtual debit card that the thief had somehow created ( I have never requested a virtual debit card ). At the initial notification of money being transferred between my accounts, I re-transferred it back to my HYS account. The thief continued to transfer the money from HYS to Spend and I from Spend to HYS until he/she beat me to it because I was busy getting authenticated with customer service. I lost {$12000.00} while on the phone trying to lock the account. The thief pulled the {$12000.00} out of my account in six separate transactions ( {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX, {$2800.00} XXXX, {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX, {$500.00} ATM withdrawal, {$2900.00} XXXX, {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX ). It took approximately 1 hour and 11 minutes for them to finally lock the accounts. After which, I was transferred to the dispute department and they filed the six transactions as disputes. I then asked to move my money to a safer bank account and they said they were unable to do so. They said I will have to wait 90 days and to be watching out for an email.
Product: Checking or savings account

A couple of days ago I received an email saying that the online banking and the app will be updated and I was ready to use the new platform. 
I accessed with my credentials, I approved the new terms and conditions but since that date I cant access to my account and also cant access to the app. 
Please check what is going on with my profile.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Based on my researched. I have file numberous complaints against XXXX XXXX /XXXX XXXX XXXX XXXX. in regards to alleged illegal foreclosure process. I know have a new foreclosure attorney acting on behalf of Bank Of America, Which I never had any contract agreement with Bank of America or listed on my Deed of Trust and Note. So therefore I would like for Bank Of America to show proof of claim that I owed the alleged debt and Also XXXX XXXX XXXX show proof of discovery and legal contractual agreement from there law firm and Bank of America. I never receive Bank Of America mortgage statements in day of my life.
I also show violation of Preditory lending, Truth n Lending and Adjustable Rate Mortgage, RESPA., alleged payments increasing due to loan.
Product: Money transfer, virtual currency, or money service

Hi, I would like to file a complaint regarding on my Paypal account. They decided to permanent limit my account after i received the payment. This was my first transaction and i'm not able to withdraw the money because it's on hold. It was XXXX XXXX XXXX  the amount is XXXX XXXX XXXX XXXX I already contacted their support multiple times about the limitation of my account and ask them of what i need to do to uplift the limit. They said that i need to wait for 6 months before i get the money. Sadly that is quiet too long. I'm willing to send my documents to confirm my identity but paypal decision still the same.
Product: Credit card or prepaid card

I have a credit card under my name and there has been purchases made in New York and other states for the amount of {$31.00}. I called the company to file a complaint and canceled my card. I was told that I will receive a new card shortly and that they would open an investigation. Today I entered my account and found that other transactions are still being made. East bay for the amount of me {$210.00}, XXXX XXXX XXXX amount {$13.00}, XXXX XXXX XXXX {$13.00} these transactions were placed on XXXX XXXX, XXXX. On XXXX XXXX, XXXX another transaction took place for the amount of dream chasers for the {$150.00}. Transaction on XXXX XXXX, XXXX for the amount of {$31.00} in XXXX XXXX in newyork. I believe I am a victim of identity theft because I reside in XXXX XXXX and all these transactions took place in the united States. And I havent authorized these purchases.
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 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 XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you 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 attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

{$500.00} locked by Gemini.com ; Account Status in 'Pending Verification ' status forever and Gemini not allowing to Close account and refund money back ; Gemini not responding to emails ; phone call is also not allowed, just plays a message 'please send email '. 

Please help. 

Account opened and Money transfer date XX/XX/2021 ( money into Gemini ) Emails below : " '' '' '' '' '' '' '' On Mon, XX/XX/2021 at XXXX XXXX  XXXX wrote : Please complete 'verification ' of my account so I can withdraw money and further close the account. Currently, I tried following the 'answer ' from your FAQ but it DOESN'T work. It says 'pending verification '. 

You have lost 1 customer for LIFE. 

Much thanks. 



On Thu, XX/XX/2021 at XXXX XXXX  XXXX wrote XXXX Please complete 'verification ' of my account so I can withdraw money and further close the account. Currently, I tried following the 'answer ' from your FAQ but it DOESN'T work. It says 'pending verification '. 

You have lost 1 customer for LIFE. 

Much thanks. 



On Thu, XX/XX/2021 at XXXX XXXX Gemini <support@gemini.com> wrote XXXX # # - Please type your reply above this line - # # Hi there, Thanks for reaching out and apologies for the delay in response. 

The recent surge in interest in cryptocurrency has resulted in a backlog of support requests to our team. This has impacted our verification and support queries, which we are working diligently to resolve as quickly and effectively as possible. 

In an effort to help self service your inquiry, we have been actively updating our Help Center ( https : //support.gemini.com/hc/en-us ) with answers to common questions about our platform and services. 

However, if your support case has not been resolved and you still require assistance, please follow up to this automated email by replying directly to this email and an expert will be back to you as soon as possible. 

Once again, thank you for your patience and understanding. 

Onward and Upward, Gemini Customer Support On XX/XX/XXXX, XXXX XXXX, XXXX wrote : 1. Why can't I buy XXXX with my {$500.00} balance? Says, 'limit reached ' 2. Why can't I deposit more money into my account? Says, 'limit reached ' 3. Why don't I receive SMS for 2F auth?

4. What is pending with account verification? Why is it taking so long? 

If you can't resolve these ( been stuck for half a month ), please refund back my deposit and cancel my account? Very inferior customer experience, so far. 

Please escalate, expedite and pay attention. 

Much thanks. 


" " '' '' '' '' '' '' '' ''
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-Off XXXX XXXX ACCOUNT ENDING XXXX I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. 
I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness.

2. **Absence of Form 1099-C** : I was not provided with Form 1099-C for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. This omission could lead to potential risks of tax non-compliance.

3. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information. 
4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights.

5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information. 
Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for a written confirmation of this deletion. Please note that I am prepared to take further actions, including legal recourse, to rectify my credit report and protect my rights. 
Thank you for your immediate attention to this matter, and I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I find there is a XXXX Inquiry from XX/XX/2018 on my XXXX report. I didn't authorize this one. Please delete it.
Product: Debt collection

I received a voicemail on XX/XX/XXXX. When I called the number back a gentleman who was very helpful answered, explained it was a medical debt and that they sent a statement on XX/XX/XXXX. I said once I received it I would verify it against my payments. I received another call today from a lady ( who insisted I called her, I believe it was a robo-call the call came in at XXXX on XX/XX/XXXX ). When I first answered the call it stating to stay on hold for a rep so I did. She picked up and just asked for my name and phone number. I did give her a first name and phone number. I asked what this was regarding and she said without your information I ca n't tell you. I asked her to understand how receiving a call and then being asked for your information may seem weird. At this point she did have my phone number and first name she could have at least stated it was a debt. Instead of working with me she just hung up. In order to determine what it was for and refer it to the first message I had to google search the number. Now it is XX/XX/XXXX, about half way through ( if not more depending on when they started the action ) for my 30 day appeal or pay and I still have not received a statement to either prove payment or make the payment.
Product: Credit card

Comenity Bank was the credit card for XXXX 's loyalty program ( XXXX XXXX ). XXXX sold to Bed Bath and Beyond and canceled their loyalty program but sent through an annual membership fee anyway. The fee went through in XXXX but the loyalty program cessation email said it was canceled in XXXX. I informed Comenity bank that I wanted to dispute the charge as it was for a program that no longer existed but they left it on my account and charged me late/interest fees. After receiving harassing emails, I decided to pay to get them to stop calling. I paid the account off in XXXX {$45.00} and requested an email confirming that the account was closed. They did not respond. A week after my final payment, they changed a {$2.00} minimum interest fee to my closed account ( XX/XX/13 ) and then charged a {$2.00} minimum interest fee and a {$2.00} late fee on that {$2.00} balance on XXXX, XX/XX/13 and then continued to charge late fees on their minimum interest charge for months with no notice to them that the account was no closed and that I was accumulating fees. In XXXX they started calling telling me I owed them {$30.00} in fees due to not paying the {$2.00} in XXXX. I checked my email history and I've had nothing from them. This is their business model, fees on empty closed accounts. I finally agreed to pay it off using my credit card over the phone because the time delay between paying it off an them posting the payment would allow them to keep the account open by posting another late fee or minimum interest charge. The representative on the phone said that even with my credit card, I should add {$2.00} to my payment to keep them from posting another fee to keep it open. She said, on the phone, that they intentionally time collection calls so there is no way to pay off the balance and have your payment post in time to avoid another {$2.00} fee to hold the account open. I paid the extra {$2.00} and finally got the account closed, I think. But they still have not sent anything that confirms the account is closed and continue to send emails encouraging me to shop at XXXX which no longer exists. I've now paid them over {$120.00} in late fees and minimum interest fees on an account that I closed in XXXX because they are threatening to report to credit agencies. I have no idea how to get them to stop but if you look on the XXXX  site, I am not an isolated case.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you review the documents? Several of the listed accounts are inaccurate in terms of their reporting.
Product: Mortgage

i made a payment and it was not credited to my account, I began questioning this XX/XX/XXXX with XXXX XXXX. i submitted bank statements to resolve the issue. XX/XX/XXXX I followed up with XXXX XXXX and again with her on XX/XX/XXXX. I was told no issue was found but yet still disputed this as the funds came out of my account. My account continued to go behind and i was advised once the issue was resolved a payment arrangement COULD be made. I called in XXXX and was told the payment error was found and was applied to somone elses loan and NO ARRANGEMENT can be made and the loan was now in foreclosure. No follow up was made with me as i was told each time someone would follow up. This was not done. The account was only behind a month once when this occurred but due to the payment not posting correctly i was not able to make payments as full amnt was needed, i was told this would not be an issue once the payment was found and they could make arrangements. I also did not receive the demand letter that they say was sent, i received one that was suspended prior to this.
Product: Debt or credit management

Spoke with the company about this issue because it was not accurate, my social sercurity card was used.
Product: Credit reporting or other personal consumer reports

I AM WRITING TO HAVE THE FOLLOWING INFORMATION REMOVED OFF MY CREDIT REPORT. I HAVE BEEN A VICTIM OF THE XXXX DATA BREACH. THE FOLLOWING INQUIRES NEED TO BE REMOVED IMMEDIATELY, XXXX XXXX XXXX XXXX 2025 XXXX XXXX XXXX 2025 XXXX XXXX XXXX XXXX 2025 XXXX XXXX XXXX 2025 XXXX XXXX 2025 XXXX XXXX XXXX XXXX 2025 XXXX XXXX XXXX XXXX 2025
Product: Checking or savings account

My account has been in restricted mode for a while and i can not make any updates on it. I have messages customer support and no response since then
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX Complaint : 15 U.S.C 1681 I didn't authorize anyone employed by these companies to make any inquiry and view my credit .This is a serious violation of the fair credit Reporting Act Section 1681b ( c ) a serious breach of my privacy rights.

15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : its also states a consumer Reporting agency can not furnish a account without my written instructions therefore this need to be deleted off my account ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA violation no knowledge of the fraudulent account with XXXX XXXX XXXX, Address, Telephone and Inquiries that I did not authorized appeared on my Transunion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed inquires for things I didnt apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of the investigation request my husband and I submitted on XX/XX/XXXX. Over 30 days have passed, and we have not received a response yet.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 5 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mother passed in XXXX. I notified the mortgage in XXXX and provided a death certificate. They refused to talk to me about the mortgage or even let me provide payment until they notes me as successor. I reached out multiple times to get that process started and it took until XX/XX/XXXX to get a representative to answer me. Since XXXX I've provided everything requested and they keep losing it. Every customer service agent I speak with gives me a different answer and at one point an agent claimed that my birth certificate was not good enough to prove my mother was my mother and they requested a NOTARIZED LETTER from any one who knew both of us stating that my mother was actually my mother. Insane. It's not XX/XX/XXXX I still have no resolution and the house was put into foreclosure. The foreclosure attorney has no idea that my mother was deceased because the bank never notified them despite having the death certificate since XXXX. They bank appears to drag this on with the intention of purposely foreclosing on the house thus denying my family the right to sell it privately and receive our inheritance. This is ILLEGAL.