23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was XXXX for XXXX years. Upon release in XXXX I discovered that someone filed taxes in my name while I was XXXX. As a result of that i filed an identity theft report in XXXX and I recently resolved that matter with the irs but this year I discovered someone also used my personal information to fraudulently open credit cards in my name Such as : 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: Debt collection

15usc 1692 ( c ) n- if a consumer has notified the debt collector that the consumer refuses to pay a debt, the debt collector must cease all communications.
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. 

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 and 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 f
urnish 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX 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: Checking or savings account

PayPal closed my account and withheld my funds on XX/XX/year> after u made an attempt to withdraw my funds! My house burned down and I was trying to move money to pay for a room for me and my children! We had no clothes or anything
Product: Checking or savings account

This is regarding my personal checking account from Harris Bank BMO. I requested the account closure in late XXXX of 2019 and a check was supposedly mailed to me on XX/XX/XXXX. 2019. After a few days, weeks, months of not receiving the check, I placed multiple phone calls to determine the whereabouts of my funds. 

BMO Harris bank initially replied that the check was lost and as of XX/XX/XXXX the funds were returned as they may have mailed the check to the wrong address where it was returned to BMO Harris bank as undeliverable. 

I need my funds to pay off my car loan. BMO Harris Bank is stating that I must now wait their banks policy of 90 days before another check may be issued. I have communicated this to multiple individuals at BMO Harris bank, the last and most senior individual being a MrXXXX XXXX XXXX.
Product: Debt collection

Apple manager from Goldman Sach Apple Card contacted me and informed me that they have downloaded all documents from the CFPB complaints pertaining to the stolen XXXX XXXX XXXX XXXX that had unauthorized Apple Card charges, the FTC identity theft report which included unauthorized charges to an Apple Card in my name totaling over {$3000.00} in fraudulent charges on that XXXX. I asked him if the phone call was being recorded and he stated yes. I stated that if the matter goes to court I will ask a XXXX to subpoena this phone call. Apple continues to deny that I have called to report fraud, denies that they have any documentation on fraudulent charges. However, the phone call I just had with the Apple representative from Goldman Sach confirmed that in fact they do have everything on the stolen XXXX, the fraudulent charges and the FTC identity theft report showing the amount of fraudulent charges. This has caused significant injurious damage to my ability to use my credit. I also informed the Apple Manager from Goldman Sach I needed monetary damages for damaging my credit and if not to provide me the register agent information that I can take the matter to civil claims court. I am still waiting on register agents information for the Apple Card to be provided to me.
Product: Money transfer, virtual currency, or money service

Theres a amount that went up to {$10000.00} and I am not able to access my own funds. Theres over XXXX separate emails and up to XXXX emails that have been sent to crypto.com from last year XXXX up to the current date of XX/XX/XXXX
Product: Credit card

Dear US Bank, After exhausting all reasonable avenues for resolution within your customer service channels, XXXX  and CFPB, I am formally requesting arbitration to seek a fair and expeditious settlement. 

Specific Issues and Potential Violations : Over the past several months, I have encountered the following significant problems with my account : Non-receipt of a replacement debit card : Despite repeated requests and assurances, I have not received a replacement debit card, causing significant inconvenience and hindering my ability to access my funds. This constitute a violation of the Electronic Funds Transfer ( EFT ) Act, which requires financial institutions to conduct electronic fund transfers in a timely and accurate manner. 

Unexplained closure of my account : Without prior notice or explanation, my account was abruptly closed, effectively limiting my access to my own funds. This action potentially violates the Fair Credit Reporting Act ( FCRA ), which imposes specific requirements on banks before taking adverse actions against a customer 's account. 

Lack of transparency and unresponsive customer service : Despite numerous attempts to resolve these issues through customer service channels, I have been met with inadequate responses, transfers between representatives, and a persistent lack of clarity regarding the reasons behind the account closure and ongoing review. This lack of transparency may violate the Fair Debt Collection Practices Act ( FDCPA ), which requires creditors to communicate fairly and accurately with consumers. 

Fair Credit Reporting Act ( FCRA ) : The FCRA does indeed regulate how banks and other entities use and report credit information. Before taking adverse actions based on information in a consumer report ( such as closing an account ), the bank must provide the consumer with a notice, including the specific information upon which the adverse action is based. The consumer has the right to review and dispute this information. 

State Laws : These laws vary by state but may prohibit unfair or deceptive practices, ensuring that banks follow proper procedures and provide consumers with notice before closing an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My divorce was finalized XX/XX/XXXX after 30 years of marriage. I filed my own divorce surrendering everything and all debt to my husband due to no money after being bankrupted in a custody battle over my XXXX granddaughters in my care through CPS. I have been targeted with unbelievable cyber XXXX destroying 78 computers, my online identity and ability to work or attend college without harassment. I have mailed my final devorce decree to all agencies and they will not separate my file removing all my ex 's debt. He has the house. I am in shelter with my mother attending college. All bad debt was placed in my name alone and sued twice by XXXX XXXX for debt that was originally applied for joint. I cant establish new credit because the debt ratio does not line up with my income with his debt on my file. I need a separate file in my new name. I only have {$450.00} student loan and a XXXX XXXX joint with my mother with a XXXX balance. I have filed over 100 police reports of the cyber XXXX and ignored. I just tried to sue the FBI to have them document my case and DENIED by the judge to sue as pauper. I have sent letters for help to XXXX XXXX, ic3, President Trump and every agency over the past 6 years. I was just accepted in XXXX School with a XXXX GPA and not able to attend because of the extreme technology interference. I have a perfect clean background and a XXXX grandmother that has lost everything and blocked rebuilding credit, finding employment and getting a degree.
Product: Debt or credit management

On XX/XX/XXXX I entered into contract with Level One Law to settle my debt. I was promised results that never happened. I started the program with excellent credit and now have a XXXX XXXX in some credit score because they never did anything for me but take my money and ruin what good credit I had built up. If I would have known what I know now I would have just kept paying by debt on time because now I have late fees and over the limit fees etc tacked onto my credit card accounts. Maybe Level One Law needs to pay those for me since they got me into this situation. They had me open a XXXX XXXX account and give to all my creditors and I was instructed to ignore all of the creditors phone calls. To me if they are supposed to be talking to the creditors then their number should have been the one given and they should have been talking with them instead of me ignoring them. I have proof from XXXX XXXX XXXX, the bank that handled all of the fees processing and creditor payment processing where they took nothing but fees from me. In the time I was sending payments they took from me {$960.00}. I was submitting payments every two weeks in the amount of {$520.00} and I only had submitted XXXX payments however I got ahold of XXXX XXXX XXXX on XX/XX/XXXX and stopped all future transfers and requested a refund on what was currently in my account plus the last {$520.00} that was submitted. They informed me that they would need to contact Level One Law before they could refund me. On the login page of Level One Law, I found a document that was posted stating that the CFPB is suing multiple companies and the XXXX companies that I have been dealing with were listed. The companies are XXXX XXXX, XXXX XXXX XXXX and Level One Law. This is why I am canceling all accounts and services with these companies because I was told due to the suit they could no longer instruct me until it was settled in court. I was looking at the dates on this document posted and it looks like the suit was filed on XX/XX/XXXX and a temporary restraining order was filed on XX/XX/XXXX. This being said I believe that Level One Law took out some fees that I should be owed back because they were withdrawn on XX/XX/XXXX the date the temporary restraining order was filed. The fees I would like back are the Service Fee of {$350.00}, Admin Fee of {$49.00} and the Retainer Fee of {$75.00}. I have proof that I can send you from my XXXX XXXX XXXX account where these three fees came out on XX/XX/XXXX the date the temporary restraining order was filed and in my opinion all my fees should be refunded from the beginning because they didn't do a thing for me. The last week before the suit was filed, I couldn't get ahold of Level One Law by phone or email. I'm praying for a refund on at least some of my fees plus the money at XXXX XXXX XXXX which includes the last transfer on XX/XX/XXXX. I have since sent a certified mailing to Level One Law canceling my account with them as well. I feel like this was the biggest mistake ever and that I was taken advantage of.
Product: Mortgage

see below letter dated XXXX to Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX TUESDAY XX/XX/XXXX United States Mail XXXX XXXX ( XXXX fax confirmation dated XXXX Mortgage Assistance Application Sent ) Fax XXXX ( XXXX fax confirmation dated XXXX Mortgage Assistance Application Sent ) Phone XXXX XXXX XXXX, XXXX and Managing XXXX Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX, CO XXXX Regarding : XXXX MORTGAGE ASSISTANCE XXXX forbearance approval and XXXX money request. Hardship began XX/XX/XXXX. 
Third mortgage assistance application sent to Specialized Loan Servicing XXXX Property location at XXXX XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX held the mortgage note in XXXX and XXXX Specialized Loan Servicing my loan on and after XX/XX/XXXX XXXX Loan # XXXX balance about $ XXXX as of XX/XX/XXXX XXXX XXXX of Specialized Loan Servicing : Enclosed please find the following documents : XXXX. XXXX XXXX faxed to XXXX, XXXX XXXX XXXX, XXXX XXXX, CO XXXX ; XXXX. XXXX Completed Mortgage Assistance Application on XXXX form XXXX ; XXXX. XXXX Unemployment Hardship Affidavit of XXXX XXXX. 

I filed a XX/XX/XXXX Consumer Financial Protection Bureau Complaint # XXXX in about XX/XX/XXXX against XXXX and/or Specialized Loan Servicing. You began servicing my mortgage in about XXXX and I was adversely affected. If I am eligible for financial compensation from the XX/XX/XXXX settlement that SLS made with the CFPB please let me know because I did not receive any compensation. Thank you for promptly approving my Mortgage Assistance Application request for a 36 month forbearance starting XX/XX/XXXX due to an Unemployment Hardship that began XX/XX/XXXX. Although my XXXX application was already faxed to you twice today, I am placing this letter with the enclosures in the United States mail today. The mortgage assistance application dated XXXX on XXXX Form XXXX supersedes all previously submitted requests for mortgage assistance. 

Today I am unemployed. Please review the enclosures itemized above. Thank you for approving the XXXXmonth forbearance requested in item # XXXX above due to an unemployment hardship caused by XXXX XXXX. Thank you in advance for wiring money due me from the CFPB settlement to my bank account. 

Sincerely, XXXX XXXX Enclosure : XXXX Mortgage Assistance Application dated XXXX forbearance requested Affidavit of XXXX XXXX Unemployment Hardship dated XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report Ive notice some unauthorized inquiries on my profile. 
The following : XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX/ XXXX XXXX XX/XX/2022. 
Again these inquires were unauthorized and I request to have them deleted.
Product: Checking or savings account

I went to bank of America in XXXX, Virginia branch back in XX/XX/year>. I was told you can talk to the Merrill representative to get higher interest. I made appointment and talked to the representative. Even though, I had a check with me, she told me to get cashers check and come back. I went another day with the cashiers check for XXXX, and I was given a XXXX envelope and, ship the check by going to XXXX store. I did as I was instructed. In the meantime, she was so determined to make me open another bank of America account and credit card, just because you have this large amount of CD you do not have to maintain minimum amount. I did open the account and credit card. 
I wonder why they have not contacted me about my CD maturity, I went to same branch. I was told the CD was never open, because you did not come back to open the CD. Which I was not aware of at all. She said I left you a message on your phone, which again never got. I did not get any email or letter. 
I put the complaint and a representative who investigate my case told me, it was not her obligation to email or write you a letter, she is allowed to call just one time. There for it is my fault that I did not get the message. She knows I went there to open a CD but did not have the time to contact me. After they use my money for more than a year, they can not honor the interest. This is not an ethical practice in my opinion to the big bank like Bank of America. Could you please investigate on my behalf and make aware of other people, especially the minority community who are English their second language. 
Thank you
Product: Debt collection

Client services have been collecting {$180.00} for the last 2 years from my checking account to pay for XXXX master card. I never signed anything or talked to anyone either from XXXX or from client services incorporation in regards to this credit card, I did talk to them in regards to another card but in XXXX, client services stopped withdrawing {$180.00} from my account and I have attempted to call them several times because it was reported to all XXXX credit card company that I have not payed XXXX for 3 months, I called XXXX 3 times and all they tell me is that they dont have my account and I have to keep calling client services because they bought out my account, I really need help asap please as Im trying to pay and nobody can help me, thank you
Product: Credit reporting

I SENT A LETTER ASKING FOR VALIDATION TO THE CREDIT REPORTING COMPANY AND THEIR FINAL ANSWER WAS ALL INFO IS REPORTING VERIFIED BUT THATS NOT WHAT I SAID I ASKED FOR VALIDATION. THESE ACCOUNTS HAS NO PAYMENT HISTORY EXCEPT FOR THE MONTH I ASKED FOR VALIDATION SO THEY IN RETURN REPORTED PAYMENT OK BUT HOW? ACCOUNT BEEN CLOSED FOR TEN YEARS AND THAT ALSO HAS THE ACCOUNT NOW REPORTING CURRENT. SO IF THE ACCOUNT IS GOING TO REPORT CURRENT WHY THEY DO ADD THE CORRECT ACCOUNT AGE? ITS XXXX ACCOUNTS WITH XXXX XXXX, XXXX WITH XXXX XXXX, XXXX WITH XXXX AND XXXX WITH XXXX XXXX BUT ALL THESE ACCOUNTS WAS CONSOLIDATED OVER 9 YRS AGO
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a dismissed bankruptcy that I have already sent a FTC report back on XX/XX/2021 they responded with verified. I contacted the bankruptcy courthouse and they stated they dont report to any credit reporting bureau which I attached a letter so I dont know where Transunion got this information from. I also contacted XXXX XXXX and they said they couldnt find a bankruptcy connected to my personal information. Transunion is in violation for reporting inaccuracies on my consumer report and had cause me personal damage and distress. According to 15 USC 1681c-2 any information resulting from an alleged identity theft shall be block no later than 4 business days.
Product: Credit reporting or other personal consumer reports

I am filing a formal and urgent complaint against XXXX for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their gross negligence in failing to validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has not only severely damaged my credit score but has also wreaked XXXX  on my financial standing. This egregious act has caused me significant hardship, including difficulties in obtaining credit, exorbitantly high-interest rates, and immeasurable stress and frustration. The reckless and irresponsible behavior of XXXX has inflicted undue harm on my financial reputation and stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Midland Credit Management Inc, is the debt collection company. They 're sending me letters about XXXX. I do n't know them or have a debt with them. But they 're reporting it to the credit reporting agencies. I need for them to stop. And the law limits should go into effect about that matter.
Product: Credit reporting

My mortgage company XXXX is re-aging my debt to extend the length of time it impacts my credit. Our last pay date was in XXXX XXXX and we have been in foreclosure litigation since XXXX XXXX. XXXX is reporting our last pay date as XXXX XXXX and it is keeping us from qualifying to rent a home. I disputed this information with EQUIFAX and they re-affirmed this as correct despite our complaint. We want both the agency to be fined and the mortgage company. I HAVE NOT PAID NOR HAVE I PROMISED TO PAY the mortgage company since XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX I received a call from Regions Bank stating there was recent unusual activity on my account. I was shopping at XXXX which is located in the same plaza as Regions Bank so I told the representative of Regions that I was going to drive to the bank and asked him to hold on. I spoke to the teller inside my bank and she stated they dont call people if there is an issue with their account so I hung up with the representative. She looked at my account and told me that the day before 2 charges went through my account. I told her these werent approved by myself. She stated she would review my account and get back to me. Several days went by no response so I went back several times with no explanation as to what was happening. I filed a police report and police followed up with it and stated Regions said there was no such account number. I have been with Regions Bank since XXXX, my credit score is over XXXX, Im married, my house is paid off, Im retired and I dont have excessive amounts of card debt. The bank started to treat me like a criminal and eventually said they felt I was behind the charges and said I had to pay it all back. Im paying it back because I dont want my credit messed up and also because somehow this loan turned into HELOC and is attached to my home that is paid off. Please Im begging you to help me with this Im at my wits end with this and just want my name cleared. I think they turned me into XXXX for fraud.
Product: Prepaid card

I bought a {$200.00} Amex gift card around XXXX XXXX. It had n't been authorized properly by the store clerk, so I could n't use it. After calling Amex, I sent them everything they asked for via the fax number they gave me - copies of both sides of the card, the sales receipt, and my NY XXXX i.d . 

I waited for weeks, got no response, called Amex & was told they were " working on it ''. More weeks, no response, I call again and am told the copy of my i. d. was too dark to be legible. I send them a lighter copy, more weeks pass, I called yesterday and was told a portion of my I. d. still could n't be read. I informed them I was n't faxing anything else but was contacting CFPBAmex has gone way beyond any necessary fraud protection. There are cites online documenting many, many similar complaints. Obviously, the longer Amex delays refunds, the more interest money they make on the float.