23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2018 a company called XXXX XXXX XXXX XXXX XXXX, as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon researching about said trust on the SEC site I came across a Cease and decease order against the Trust. I hired an attorney and I am defending myself. 
However last week I was notified by the servicer that there is a new owner of my loan. So while I am being foreclosed by one company my loan supposedly is owned by another company XXXX XXXX. On my phone conversation with the person in charge of said company, XXXX XXXX XXXX, I was threatened with the following : I am going to come after you, your lawyer is a liar, etc. But most importantly, this company is refusing to pay the remaining insurance claim that the insurance company remitted to them already and the roof of my home is being repaired. Servicers cant withhold insurance claims proceedings. Please I need your help. It is urgent.
Product: Checking or savings account

On XX/XX/22 I was unable to log into my Synchrony online account. A message reporting " We are unable to complete your request. Contact us at XXXX '' was displayed. I contacted Synchrony at that number and was told there was no hold on my account and that a ticket would be opened with tech support to fix the problem and to try again in 48 hours. I attempted to log on again after two or three days with the same error. I called support on XX/XX/22 and was told it could take up to 5 working days ( it had now been five working days ). I attempted again after a few more days with no success. Called support again on XX/XX/22, now 10 working days, and requested to speak to a manager who could take action to get this resolved. Was told I would be called back by the end of day. No call occurred. Called again on XX/XX/22, now 23 days without access to my account and asked to speak to a manager again. Was told they had contacted him by text and he was in a meeting but would definitely call back that day. No call back. Made my final support call on XX/XX/22, now 28 days without access to my account. Informed them not to bother with the fake manager call back promise and if the problem was not resolved by end of business day I would file a complaint with the CFPB. Of course it is still not fixed. This is the worst customer support I have ever experienced from any business. They have call log records of this entire exchange. Please make someone there accountable to take action and fix this problem so I can access my account. They have no right to be licensed as an online bank if they can not provide online access any better than this.
Product: Credit reporting or other personal consumer reports

There was a XXXX XXXX credit account fraudulently opened and hard inquiries recently added to my credit report. We already had this XXXX XXXX deleted now it's back. I filed a complaint wuth the FTC and attached the report report. 
accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 use 1681 Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED 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 tederaily protected consumer rignts to privacy and confidentiality under 15 USC 1681. 
Accounts 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: Money transfer, virtual currency, or money service

On XX/XX/2019 at XXXX Eastern Time I received a text from XXXX indicating that my SIM card was changed. I proceeded to find a public phone to call XXXX immediately and suspend the line at around XXXX. 

By that time it was too late, and the perpetrator was able to gain access to my XXXX ( XXXX ) reset the password and utilize that to gain access to my Coinbase account. 

I had around 4-5000 USD worth of BTC in the account at the time, and the perpetrator continue to purchase additional coins inside my account. 

Access to Coinbase and they are not responding to my active ticket inquiry.
Product: Credit reporting or other personal consumer reports

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items and ensure that the information being reported is accurate. 
Here is the item I am asking for verification of accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern, Currently I have an account that appears in collections on my file from a collection agency by the name of Alliance One Receivable Management , Inc the account # XXXX. Please be advise that I am disputing this collection due to the fact Alliance One Receivable Management, Inc XXXX XXXX XXXX XXXX, WA XXXX does not have a valid license in Florida to collect debts. This information is stating that their company does not have a registered license to collect debts in the state of FLORIDA according to Florida Office of Financial Regulation XXXX XXXX XXXX XXXX XXXX, FL XXXX. I am requesting that you investigate this matter and delete this account from my credit files immediately or provide me with physical proof that Alliance One Receivable Management , Inc are licensed to collect debts in the state of Florida. Your immediate response will be greatly appreciated.
Product: Debt collection

I belive it's a company working with my previous landlord. They begin callings early as XXXX and constantly call all day.
Product: Checking or savings account

Deposited my payroll check and was told that my funds were not able to be used for XXXX business days despite being hold that i received a XXXX  day notice by my landlord to pay or quit. Chase Bank did not have any remorse and told me that i still have to wait the full XXXX business days. 

I have called multiple times to get the hold removed or to get my funds back, and Chase Bank refused. I am not on the verge and being homeless, and Chase Bank does not care nor do they want to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXX Collection Company : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX I am writing to report a HIPAA violation that occurred on XXXX XXXX. I recently received a call from a debt collection agency, Name XXXX XXXX XXXX, which I believe was in violation of the HIPAA Privacy Rule. The debt collector called me on behalf of XXXX XXXX XXXXXXXX and left a voicemail stating that I had an outstanding debt. They provided my full name, D.O.B and address, and asked me to call them back to discuss the debt. This is a clear violation of the HIPAA Privacy Rule, which states that covered entities must protect all individually identifiable health information from unauthorized disclosure. I have already reported the violation to my health insurer and the Department of Health and Human Services. I would like to request that the appropriate steps to ensure that their practices comply with the HIPAA Privacy Rule. I also looked up the hospital that they claim I went to and the hospital has been permanently closed so that's probably means that they fail for bankruptcies do to all of there locations to be closed
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I found that there was XXXX fraudulent account on my report, which is XXXX  the account balance is XXXX dollars, I have never heard of this company.
Product: Debt collection

On XX/XX/XXXX, I initiated contact with XXXX  regarding an outstanding debt. I requested that they validate the debt in accordance with legal requirements by providing me with the original assignment and documentation proving their right to collect the debt. Upon receiving the documentation, I discovered that it consisted solely of a few billing statements from the original debtor. 
I subsequently contacted XXXX to inform them that I had not received the necessary documentation required by federal law. They responded by stating that they were not obligated to provide the required paperwork, but rather only the documentation mandated by the State of New York, which I was unfamiliar with. 
I requested that XXXX remove the debt from my credit report since they were unable to validate the debt. At that time, I was informed that they would continue to report the debt until XXXX.
Product: Money transfer, virtual currency, or money service

I ordered something using cash app. I later discovered that the item was a scam and I never received it. I let cash app know about it and I requested a refund and they let me know that an investigation would be opened. about a week later, cash app notified me that there wasn't anything they could do for me
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my report I found a few errors on 3 accounts these account arent accurately reporting and based on consumer laws they should be removed im having issues with my disputes not properly being investigated im requesting all 3 accounts are thoroughly investigated and mail all proof of theses accounts along with wet signatures of any documents I signed opening these accounts. 

XXXX XXXX closed account XXXX XX/XX/XXXX XXXX XXXX closed account XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A lot of the accounts I saw on my credit report were not opened by myself.
Product: Debt collection

On XX/XX/2021 I checked my mailbox and noticed I had received 2 letters in the mail from TRS recovery services stating I owe {$37.00} ( principal amount of {$12.00} + {$25.00} returned Item fee ) with the original creditor being XXXX. I contacted XXXX to investigate because I was unaware of the nature of this debt. The XXXX representative had no information about it and stated she had to transfer me to TRS recovery services. Upon speaking with a TRS agent, the agent informed me that the transaction number on the front of the letter did not match my name ( Not my debt ). In other words, stating that the debt wasn't mine and advised me to disregard the letter. I then began asking questions and showing my concerns about the debt being reported to the CRAs. The agent told me to mail back the letters and hung up the phone while I was speaking. Something fishy is going on here. I do not owe any debt to XXXX or TRS. They are violating the FCRA as this is not my debt. Please have them remove this item from all 3 bureaus.
Product: Mortgage

I applied for a mortgage at KeyBank. I paid the application fee of $ XXXX-Due to some issues. I withdrew my application. I have not received my money or the explanation is to why my money is being kept.
Product: Debt collection

Never had this debt or knowledge of it sent that validation letter no response after XXXX days my identity was stolen police report made need to verify this debt it is causing financial problems due to being denied
Product: Bank account or service

I have an extended fraud alert on my credit file as I 've been the repeated victim of identity theft since XX/XX/2016. Despite this fraud alert an individual at Bank of the West was trying to secure an auto loan for a XXXX Chevrolet Corvette from XXXX ( XXXX XXXX XXXX XXXX , XXXX, IL XXXX # XXXX ) and did a hard pull on my credit report on XX/XX/2016. As is standard when authorizing a hard pull on an individual with a fraud alert, the individual at Bank of the West should have made outbound calls only to verify my identity and proceed with the pull, but instead either accepted an inbound call or did a pull without my authorization speaking with the criminal using my identity. This violates the fraud alert and compromises my identity and safety even further. This employee of Bank at the West acted negligently and Bank of the West needs to immediately work with XXXX and have this inquiry on my credit removed. I 've filed an additional police report with local law enforcement an reached out to the XXXX Police Department two times now.
Product: Prepaid card

I bought a vanilla gift card, a couple months ago worth somewhere around {$500.00} and have been trying to use it on XXXX and physical stores for a long time now, when i went online to check my balance, they said that it was an issue and call customer support, when i contacted vanilla customer support, they told me that it was reactivated but when I tried using the card, i had the same issues as before. I went online to check balance, to only have the same popup show again and when I called customer support, i was on an endless loop of automated options.
Product: Credit card

I have a XXXX XXXX credit card with Wells Fargo with number XXXX XXXX XXXX XXXX. 
In XXXX wells Fargo sent me a letter requesting me to send tax form XXXX by XX/XX/XXXX or else they will close the account. 

On XX/XX/XXXX XXXX, I sent across a fax with the signed XXXX as they requested. Please see attached fax confirmation proof. 

After that I called Wells Fargo multiple times every week, only to be told they received my fax and processing it. They kept on transferring me from one agent to agent again and again wasting hours of my time. FInally they told me that it takes 45 days to process my fax. 

After that I stopped calling and thought I will wait till XXXX XXXX XXXX  before calling again. 

But on XX/XX/XXXX, I received a letter by mail that they closed my account as I did not respond XXXX though I did on XX/XX/XXXX. 

They seized all my {$680.00} worth of XXXX rewards points and they billed me a {$99.00} annual fee even after closing my account. 
Looks like their lazy customer service never processed my fax even though I faxed it to them on the number they asked me to. 

This is a gross injustice done to me and I request Wells Faro to immediately reinstate my {$660.00} XXXX rewards points and reinstate my card immediately. 
Further, they removed my online access, so I am not able to make my payments on the card. So, reinsate my online access also.
Product: Payday loan, title loan, personal loan, or advance loan

This is an Adverse Action to Truist bank who Denied me, ( a natural man, per definition ( 34 U.S.C. 12611 ), an XXXX XXXX ), ( a dejur citizen and my rights are protected by my states constitution ) a loan after requesting my social security card and running my credit ( America runs on full faith in credit of the people ) since 1933 Denying me access to my credit is a violation of my rights Basing the denial off of a third party credit agency is also a violation and conspiracy against me Pursuant 37th congress Session III Chapter 58. 1863 NATIONAL BANKING ACT OF 1863 Section 33 reads " And be it further enacted. That is shall be unlawful for any officer acting under the provisions of this act to countersign or deliver to any such association or to any other company of person any circulating notes contemplated by this act ect...

and further adverse actions include 15 U.S.C 1611- Criminal liability for willful and knowing violation see : pub. law 90-321 and further Title 15 U.S. Code 1691XXXX Scope of prohibition ( a ) IT SHALL BE UNLAWFUL FOR ANY CREDITOR to discriminate against any applicant with respect to any aspect of a credit transaction Truist Bank has committed Trust fraud, Deprivation of my rights, invasion of my privacy, conspiracy, and as a conditional offer to avoid this matter being brought before a competent authority I present this opportunity to Truist Bank to extend unto me what i am rightfully due which is access to my credit.

I expect Truist bank to reach out to me concerning this matter with an offer to settle in a private manner. 
Thank you for your time and reconsideration All rights reserved UCC1-308 non waived XXXX : XXXX agent on behalf of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These late payments are not consistent with how I've been paying regularly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. In XXXX of XXXX, a XXXX XXXX XXXX account was opened under my name without my knowledge or consent and was used and left a {$4600.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Product: Credit reporting or other personal consumer reports

I have received a copy of my credit report, and Im disputing the following information that appears on my Experian report. 
XXXX has fraudulently reported on my Experian report. I am a victim of identity theft and I never opened this account. Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that this be removed completely and permanently from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Company has refused to comply with federal law and consumer laws violating my rights as a consumer. The company has violated my privacy rights under The Privacy Act of 1974. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). Congress advises any of my private information is not for public. The reporting agency is a non governmental entity, meaning Eye must give you consent to report the account to my consumer report. According to 15 U.S. code 6801, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information,15 U. S. code 6802 follows by adding that, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. Experian is a nonaffiliated third-party of XXXX, therefore they do not have permission to report the " XXXX accounts '' to my consumer report. 15 U.S. code 6802 ( 1 ) also follows to insure the security and confidentiality of customer records and information.. According to, 15 U.S. code 6802b, there must be 3 disclosures first before any of my information can be exchanged regarding an account and Eye must first agree to having the information of the reported account disclosed to the public. Eye have not agreed to having the " XXXX accounts '' disclosed. Therefore the accounts must be removed from my Consumer report and Experian a non-affiliated, ( Third party ) of XXXX  must delete the collection accounts from my consumer report. The reporting agency Experian has continued in their efforts to disregard my consumer rights, violating federal law and privacy rights under The privacy Act of 1974. It is imperative that this matter is resolved immediately and the " XXXX accounts '' are removed.
Product: Debt collection

Please look my previous cases I filled with the CFPB XXXX XXXX Chase Credit Card instead to assist me or look for fair viable solution has choose to fight it in sending me some documentations These documentations has opened another 's possible Violations to the Consumer Credit Protection Act due to the fact I 'm not aware of signed Agreement between Chase and myself, as a consequence of it, at this time I would Like to dispute the whole amount owed on this account due to Chase 's Representative response letter to the previous case I 'm Attaching it hereto. In the letter she mentions " AS PER ENCLOSED COPY OF YOU CARD MEMBER AGREEMENT '' Since she mentions an card member agreement, my understanding in an agreement it must be a signature of the 2 parties. At this time I 'd like to ask CHASE thru the CFPB to produce any agreement that I signed with Chase on this Credit Card.Because I was not aware of this agreement until now when Chase responded to my last complaint.