23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Someone from XXXX and XXXX law firm text me me about my debt with speedy cash and this what they told me : Hello, this is the XXXX and XXXX LAW FIRM. This message is solely for, XXXX XXXX. 
We are representing XXXX XXXX. Founded in 1997, XXXX XXXX XXXX XXXX is the country 's leading provider of non-bank financial services, with approximately 2,100 centers across the country. The company is the Mother Lending company for companies like XXXX XXXX XXXX, XXXX XXXX XXXX, Speedy Cash, XXXX, XXXX, XXXX XXXX, XXXX XXXX and many more. The Company is a founding member of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, whose mission is to promote laws that provide substantive consumer protections and to encourage responsible industry practices. XXXX XXXX is a wholly owned subsidiary of XXXX XXXX, one of the largest XXXX American providers of banking services, consumer finance and specialty retailing. 
The loan you have taken out became delinquent and the company has full rights to press charges on you. 
Details are below. 
Total Outstanding Balance ( Due Amount ) : {$1100.00} ( Including Late Fee, Penalty, Affidavit Charges and Rate of Interest Charges. ) We have more evidence such as the Bank Account, Account & Routing Number, References ( With Phone Numbers ), Drivers License, Employer Name & Address, IP Address and many more. 
One Time Settlement Offer : 1 : {$400.00} XXXX Has to be paid Today XXXX. 
2 : {$650.00} ( {$200.00} Today and {$450.00} Paid Within This Week ) 3 : {$200.00} ( Bi-weekly starting from today until paid in full ) Or the Entire balance of {$1100.00} within the next 30 days. 
Consequences ( Further Legal Steps ) : 1 : Lawsuit Filed Under Several Sections 2 : Your Employer Will Be Informed.

3 : Credit Bureaus Will Be Notified So That It Could Be Reported to Your Credit. 
4 : References Will Be Informed.

5 : A Day in Court.

6 : Garnishment of Your Paycheck. 
Let us know whether you opt for a one-time settlement or payment arrangement for the whole amount, so that the account can be updated. 
Since this loan account is very past due, we would appreciate if you give this matter your earliest attention, as this account has to be updated on an urgent basis to avoid legal action. 
( Please not the legal affidavits have already been generated on your file, for filling it with the court house tomorrow first thing morning. As this is an urgent matter and needs your attention to it right away. You have time till close of business today ). 
Please contact the petitioners office. It is your legal right to do so. That number is XXXX XXXX XXXX XXXX. Thank you. That day they told me to get a XXXX XXXX gift card for XXXX  which I did and they want me to send a payment of XXXX a month from not to XXXX of next year for the total amount XXXX I called the website where I got the loan from and they said that it might be a fraud and for me not to send money but I still have the text where they message me and the picture of the receipt that they sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded the certified letter that I sent to XXXX XXXXt which explains in detail what I'm disputing. Briefly, I bought ~$40  worth of items from XXXX XXXX  inXX/XX/XXXX and used my XXXX card ending in XXXX to pay for it.  They sent me statements by email instead of snail mail (which has ALWAYS been my preferred delivery choice and have NEVER changed it) so I missed the XXXX and XXXX, XX/XX/XXXX statements, which I was expecting by mail.  I rarely check email which is why I ALWAYS have bills sent by mail. I only found out about it because I got a red flag email from XXXX XXXX that I had a 30 days late note on my credit report from this card.  I called XXXX customer service immediately to pay the bill and the rep even reversed one of the late fees for me but did say that I had to call the credit reporting agencies to dispute the mistake.  This was deleted, then reinserted by XXXX, then deleted again in XX/XX/XXXXafter the first of my 3 disputes, then reinserted again by XXXX.  I sent a certified letter to XXXX explaining the above in detail but all I got in return was yet another robotic response that the "information was correct and they weren't going to change it"...This has deflated my otherwise good credit score to the extent that I'm unable to refinance my house which has enough equity in it to pay off my credit card and home equity loan debts.  I've called XXXX XXXX, XXXX, all three of the credit reporting agencies and CFPB to see how I can get this fixed but to no avail.  I'm almost to the point of having to sell my house in order to settle my debts because I can't get a "real person" at XXXX to listen to my side of the issue.  I CAN'T PAY A BILL THAT I DON'T KNOW ABOUT!!
Product: Debt collection

Plaintiff : XXXX XXXX XXXX Defendants : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Agency Nature of Suit : XXXX XXXX XXXX XXXX XXXX and XXXX COMPLAINT COMES NOW, XXXX XXXX, Plaintiff herein, and for his Complaint against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, Defendants herein, alleges as follows : Plaintiff, XXXX XXXX, is an individual residing at [ Address ], [ City ], [ State ], [ Zip Code ]. Defendant XXXX XXXX XXXX is a debt purchasing entity, and XXXX XXXX XXXX XXXX XXXX XXXX is a collection agency, both of which are engaged in debt collection activities in [ State ]. Plaintiff avers that Defendants XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX engaged in unlawful, deceptive, and harassing debt collection practices in violation of [ Relevant Code or Statute ], causing undue stress, mental anguish, and financial harm to the Plaintiff. Plaintiff further asserts that despite numerous attempts to resolve the matter and provide evidence refuting the debt or improper collection practices, Defendants persistently pursued unwarranted and illegal collection efforts, exacerbating Plaintiff 's XXXX distress and emotional suffering. As a direct consequence of Defendants ' wrongful conduct, Plaintiff seeks recovery of maximum XXXX penalties allowable under the law and holds Defendants liable for the damages suffered during the improper debt collection process. Additionally, Plaintiff contends that the actions of Defendants have not only violated legal provisions but have also led to significant harm and hindered Plaintiff 's ability to rectify the situation, impacting Plaintiff 's rights and causing undue hardship. WHEREFORE, Plaintiff, XXXX XXXX, respectfully requests that this XXXX XXXX : a ) Awards maximum XXXX penalties and damages permissible under the law against Defendants, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ; b ) Holds Defendants liable for their improper debt collection practices and the resultant damages inflicted upon Plaintiff ; c ) Grants any other relief deemed just and proper by this XXXX ; d ) Any other relief the XXXX deems just and proper. Respectfully submitted,
Product: Credit reporting or other personal consumer reports

I am writing to formally contest a charge of {$1900.00}, along with associated late and financing fees, made to my credit card between XX/XX/XXXX and XX/XX/year>. These charges stem from unauthorized use after my belongings were stolen during a robbery in XXXX XXXX, resulting in hospitalization and the misuse of my digital financial accounts via facial recognition and XXXX XXXX. Upon my return to XXXX XXXX, I took immediate steps to secure my accounts and replace my stolen items, including extensive coordination with XXXX and my banks. 

I request the reversal of all erroneous charges and fees, the correction of my credit reports, and the provision of an updated statement. Enclosed are supporting documents from various banks and credit companies, which have recognized the theft and refunded the fraudulent charges. I urge Discover to resolve these discrepancies as my financial and health situation continues to suffer. I have informed the Consumer Financial Protection Bureau of this matter and look forward to your prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my XXXX XXXX, XXXX and Experian credit report and the following account and credit inquiries are not my account or credit inquiries : XXXX XXXX XXXX XX/XX/2019, {$37000.00}, the following credit inquiries are not my credit inquiries : XXXX XXXX XXXX, XX/XX/2019, XXXX XXXX, XX/XX/2019, XXXX, XX/XX/2019, XXXX XXXX XXXX, XX/XX/2019 and XXXX, XX/XX/3019
Product: Bank account or service

In 2000, I was an employee of chase bank before suffering a XXXX and left after XXXX XXXX was exhausted. I attempted to maintain my bank account with chase and recently opened another checking besides my primary checking and savings. The XXXX account was opened for a pending settlement ( in which I already given the routing and account number to my attorney ). My primary account was used for my direct deposit of my social security check which I received XXXX a month, This is the only income I receive. My fix income forced me to watch every penny. Recently, a team lead scolded me for opening another chase claim and told me I 've had a claim every month and he did n't believe this claim, I filing for XXXX was a good claim and he would never open it and went on to tell me he will allow the temporary credit this time, but will note on my account that I need to follow bank policy. Several days later, I was told chase no longer wanted me as a customer and my accounts were closed. The back has retaliated because I filed claims against merchants who has taken money and refused to return it or they made a mistake on my card and I usually can not get them to cooperate with what I am asking. For example, one merchant charged my card for XXXX after paying him XXXX with another card ... .then said. oh I thought that was a tip ... .Another example is the reason I left chase as an employee, I took the XXXX and suffered a XXXX, the company was sued for several XXXX and I won that case. I purchase a product LeVel, for weight loss and was told it was not approved by FDA and a boy suffered a XXXX. I contacted the merchant via email and they would not contact me back as they did when I was considering purchasing the product, I fax them also with proof that I had already suffered a similar injury and needed to speak with them right away, I included my phone number and still no response ... so what am I to do, but ask chase to refund my money and know they will investigate. I explain this to the person who initiated the closure of my account and he told me other customers are not having this problem. Why am I being compared to other customers who may not have a fix income such as myself or have XXXX. I believe chase supports the closing of accounts of customers with too many claims, which is my right. However, if that 's frown upon, why did they not state this will close your account if I take this claim. I believe the bank hides this fact and will justify this by their right to close any account of any reason ... ..because they are a huge bank and they can do this? or can they?
Product: Debt collection

It came to my attention that XXXX XXXX XXXX reported in my credit report that I owed them {$330.00} with account # XXXX as of XXXX/XXXX/XXXX. I do not owe and have no knowledge and any contract with XXXX exist.
Product: Credit reporting or other personal consumer reports

I RECENTLY CHECKED REPORT AND NOTICE SOME INACCURATE ACCOUNTS REPORTING : XXXX XXXX reports different information to credit bureaus dates are incorrect and don't match causing my account to reflect negatively. they report to different account numbers. dates are not shown from first delinquency. payments show late payments but did not send out mail 21 days before due date to be able to report late date. report shows as credit card account or loan where no real cash amount was given per terms of service. 

VIOLATION 15 U.S.C 1681 602 A-4 : Law of privacy THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMER 'S RIGHT TO PRIVACY. 

VIOLATION 15 U.S.C 1681 b 604 A PERMISSIBLE PURPOSE SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : # 2 ; IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES.

15 U.S.C 1681 S-2 ( 1 ) PROHIBITION ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS 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. 

Account name : XXXX XXXX Account number : XXXX other number last XXXX : XXXX 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 reports 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 1681 S -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the XXXX XXXX  XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

I attempted to obtain my consumer report from Blend Insights , Inc., as listed on the CFPB 's companies list. I completed the required steps, including filling out my information both online and by mail. However, I have not received any response or confirmation from Blend Insights , Inc. regarding my request. 

Similarly, my sister also submitted a request for her consumer report by mail. However, her letter was returned by USPS, and she has not received any communication from Blend Insights, Inc. regarding her consumer report. 

If Blend Insights , Inc. is not providing consumer reports to consumers, it raises questions about why they are listed on the CFPB 's companies list as an entity subject to consumer report requests. This lack of response suggests they may be in violation of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the right to access my consumer report upon request.
Product: Money transfer, virtual currency, or money service

I have used this company with the legal name coinbase pro. I have transferred money from my bank account to my digital wallet in coinbase pro to use for trading currencies on their platform. Now I cant widraw my money from the digital wallet stored in coinbase pro. My account have been disabled with no explanation and my funds have also been blocked. I have send several emails in attempt to have my money back or transferred back to my account but no response. I have XXXX in US dollars in my coinbase pro digital wallets that I cant widraw because they disabled my account.
Product: Checking or savings account

We need Fifth third bank to provide proof and tracking number - There is nothin they can proof that the check was sent to IRS except their letter. 
IRS doesn't have the check. 
We can not try to close without resolving this issues. This is the worst discrimination.
Product: Mortgage

I chose Caliber Home Loans as my lender to buy a condo. I had 53 days before I closed on the condo. The seller chose a long closing because she had not found a place to move at that point. Although I had 53 days before closing, in order to make my offer attractive I did a 21 day financing contingency. Caliber was well aware of my 21 day financing contingency and ensured me it would not be a problem. I followed up with my loan officer everyday to make sure everything was going smoothly. She ensured me that everything was fine and we would be able to close on time. Not once during this process was there any issue or alarming matter or any kind. The appraisal was completed and came back clean at the offer price. I checked in with her to make sure that everything was in line and that there were no issues especially close to the end of my financing contingency. She again ensured me my loan was good to go and there were going to be no issues. I received a very alarming call from the loan processor, asking for my credit card information to pay for the HOA questionnaire and budget that had to be obtained online. Since there had been no mention of this previously, I assumed this process had been done a month earlier during the appraisal and financing contingency. Any lender who does their due diligence knows that when purchasing a condo, that is the first thing to look into. Caliber proceeds to tell me less than 24 hours before we were supposed to close that there is a huge HOA issue and that I would not be able to obtain a loan. The contract had to be terminated the day we were supposed to close and I lost all of my earnest money. If Caliber had not been so negligent in processing my loan and had worked in a timely manner, the contract would still have been terminated but I would have received my large amount of earnest money back, and not have been out of a place to live.
Product: Money transfer, virtual currency, or money service

This follows my first complaint ( complaint ID XXXX ) against Bank of America filed with the Consumer Financial Protection Bureau ( CFPB ). Two employees of the Bank hiding behind the fake names of " XXXX XXXX '' and XXXX XXXX '' told me that my accounts and credits cards were compromised. To fix these accounts and credit cards, they asked me to move my money to new secure accounts they will established in the Financial Fraud Prevention Department of Bank of America based in Michigan. The Bank did not seriously investigate my complaint but rather engaged in a futile exercise which consists in reviewing my bank of America checking accounts. In an email dated XX/XX/2021 to XXXX XXXX ( see attached Exhibit titled " Response_XXXX_BankOfAmerica_XX/XX/2021 '' ), I made the case by providing several critical clues that " XXXX XXXX XXXX and " XXXX XXXX XXXX are employees of the Bank in the Financial Fraud Prevention Department based in Michigan . Therefore, to properly investigate my complaint, the Bank must send a skillful player to the Fraud Prevention Department in Michigan to audit the work done there and identify the two persons behind these fake names. " XXXX XXXX '' is a XXXX male and " XXXX XXXX '' is a XXXX  female. " XXXX XXXX '' is an Officer in the Fraud Prevention Department and the boss of " XXXX XXXX '' who works directly with him. My request for the Bank to audit the Fraud Prevention Department was dated XX/XX/2021 and was acknowledged by Ms. XXXX XXXX in an email dated XX/XX/2021 ( see attached Exhibit titled " Response_XXXX_XX/XX/2021'' ). Both XXXX XXXX and XXXX XXXX are Senior Resolution Specialists for Regulatory Complaints at Bank of America. Today is XX/XX/2021 and so the Bank has received my request for an audit for exactly two months and eight days. The purpose of this follow-up second complaint is to ask Bank of America to provide me with the results of that audit. To confirm or refute my claim that the two scammers are employees of the Bank, the Bank must carry out this audit of the Financial Fraud Prevention Department based in Michigan. I made it clear in my request that should the Bank refuse to carry out the audit, then it must reimburse the totality of the money stolen from me by these two scammers. A total of {$200000.00} plus accrued interest on the {$68000.00} gift card charges sitting on four of my credit cards. The Bank must respond to give me the results of the audit now.
Product: Credit reporting or other personal consumer reports

I sumbitted a CFPB complaint regarding the accuracy of the reporting of the following account for XXXX XXXXXXXX and to my dismay they verified the reporting saying it meets FCRA XXXX. However according to FRCA - The Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ( CRAs ). 

I have attached a screenshot of the reporting for the XXXX XXXXXXXX and you will see there are major inaccuracies in the reporting Date Opened, Date, Reported, Account Status, as well as the original creditor and account closed date.
Product: Bank account or service

I made a deposit through the ATM of XXXX. There were NO signs indicating a deposit delay on the machine itself or on the screen. My deposit was accepted of {$75.00}. The deposit was not posted to my account until XXXX days later. I was not given credit for the first {$200.00} of the deposit, AND I was assessed NSF charges on the account. I contacted bank personnel concerning the matter and nothing has happened as a result.