23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

In XXXX, I opened and funded a consumer account with BAM Trading Services , Inc. on their platform located at www.binance.us. The BAM platform allows users to purchase, sell and store digital assets and XXXX currencies. BAM has three levels of personal verification Basic Verification, Advanced Verification and Cash Account Verification. After I submitted identity, address, government ID, and a Prime Trust questionnaire to BAM, I was approved under all three verification levels which purported to allow crypto withdrawals of up to {>= $1,000,000} and US dollar withdrawals of up to {$5000.00}, daily. For many months, I was able to deposit funds, withdraw funds, and purchase and sell digital assets on the BAM platform. 

In XXXX of XXXX, without any notice or warning, BAM suspended all trading and withdrawal functions on my account. I was unable to withdraw US dollars and digital assets as well as prohibited from selling or purchasing digital assets or fiat currency. I discovered that BAM has no telephone number whereby consumers can talk to a real person. Instead, BAM requires consumers to resolve issues through their email ticketing system, which I attempted to do without success. 

On or about XX/XX/XXXX I submitted an inquiry asking why my account had been suspended XXXX Support Ticket No. XXXX ). I received an automated response stating : We are working through a high volume of customer inquiries. Our dedicated support team is answering all queries in the order received and one of our representatives will respond to you as they are able. 

On XX/XX/XXXX, BAM responded requesting that I provide them with the following : 1 ) Video of you holding your ID along with you stating the following inside the video : " My name is [ First and Last Name ], today is [ Today 's Date ] my e-mail is [ your email used for registration ] and I acknowledge that I registered for a Binance.US account and I will be the only person with access. In addition, I confirm that I have read the Binance.US terms and conditions and I'm aware that the company provides financial services. '' 2 ) Recent bank statements for all linked plaid accounts. 

3 ) Attach the files to this message in your next reply so that our team can verify it.

As of today, my account remains locked with no reasonable path for discovering why it was locked, how to reasonably unlock it, or how to reach a real person at BAM. The only reason BAM provided was a generic statement when I attempt to withdraw my funds stating Withdrawals suspended due to risk management and Order failed : trading disabled. At the time of this letter, the value of the digital assets and US dollars BAM is holding and refusing to return is {$98000.00}.

Please investigate this company. A quick internet search yields numerous complaints from consumers who are in a nearly identical situation, unable to speak with anyone at BAM or access their funds. Please let me know if you need anything else from me.
Product: Credit reporting or other personal consumer reports

Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. 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. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 2 3 4 5 6 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Product: Money transfer, virtual currency, or money service

Hello I believe I was scammed when trying to buy an apartment. I went onto website XXXX since its a military safe place to look for housing. Then I found this apartment on it. Then I signed a renter and lease agreement and then I was asked to send {$3100.00} to the landowner of the apartment to be able to move into this apartment on XX/XX/XXXX and move in XX/XX/XXXX. The only person I spoke to about these things was the real estate manager. Now the real estate manager is avoiding me and not giving my money back when I said I no longer want the apartment. My bank I use is navy federal and the bank I sent it too was XXXX XXXX XXXX  account owner is XXXX XXXX XXXX. The real estate manager is XXXX XXXX. My bank has not tried to help me with this situation, I believe this was a scam. Please may you help me, thank you very much
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX
Product: Credit card

I have mentioned above that the first day that I received the card it already had a balance. 
I called home depot and explained to them that I received a new card with a balance already in it. I called home depot on XX/XX/XXXX spoke to three different people explaining the problem, but no one could tell me exactly what to do. In XXXX XXXX I received a letter that said " Thank you for your business as a Home Depot Consumer Credit card Holder, while we are investigating your billing dispute or fraud claim, we have adjusted the minimum payment due on your account. Then on XXXX XX/XX/XXXX I received a latter from CITI Bank that said " your Home depot consumer credit card account is still open, however your charging privileges may already be suspended or get suspended in the near future. 
Then I decided to wait and see what they were going to do, but as of the last time they did nothing but send me another card. This is why I decided to officially make my complaynt to cfpb.
Product: Debt collection

diversified consultants are lying about dates and amounts owed to XXXX XXXX XXXX  it is still a negative on my credit. i have supporting documents that XXXX XXXX XXXX owed ME money and paid it. we are square and i have the paper work to prove it. yet these head hunters somehow keep it on my credit by renewing and fraduantly changing the dates and amounts
Product: Credit reporting or other personal consumer reports

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. My personal information has been disclosed to third-party non-affiliated companies and used for the purposes of reporting this information to my consumer report. According to 15 U.S. code 6802 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. 15 U.S.code 6802b, advises a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Meaning that 3 disclosures must be sent to me first, before information regarding this account can be exchanged and Eye must agree to it. Eye have not agreed to this action. It is the policy of Congress that each financial institution those who have extended lines of credit, have the affirmative and continuing obligation to respect the privacy of its customers and to protect the security and to protect customers personal information. This is a violation of my privacy under The Privacy Act of 1974. amended, 5 U.S.C . 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 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 5 U.S.C. 552a ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are to be removed from all consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

We filed for bankruptcy back in 2010, years later we won a court settlement and paid off our bankruptcy through the court settlement. the bankruptcy still shows open on our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of family Identity Theft. A family member opened unauthorized accounts in my name. I've submitted the Identity Theft Affidavit and corresponding evidence to the bureaus three times since XX/XX/2020. XXXX  has blocked the accounts. XXXX   and TransUnion have not blocked the unauthorized accounts. I'm trying to fix this asap as it is severely affecting my credit score and I need to purchase a house. I do not want to have to file a lawsuit because with the coronavirus too much is going on in my life right now. I just need this fixed. Please help.
Product: Bank account or service

I signed up for a Citigold checking account with a promotion code for XXXX XXXX XXXX AAdvantage miles for signing up and completing some requirements. I received confirmations that my bonus would post by XXXX XXXX. Some time before XXXX XXXX, one of my friends had said he had some issues getting his bonus - Citi told him he was not eligible for the offer, even though Citi allowed him to sign up for the account and collected his monthly fees. So I reached out to Citi customer service to make sure I would not have similar issues - that I was indeed eligible for the bonus. I received written confirmation ( attached ) that I was eligible for the bonus and completed the requirements, and the miles would post after the XXXX statement. Now, the miles have not posted and Citi has promised an investigation taking 24-48 hours. It has been six days and so I am filing a complaint. I am not happy with the service and the account, and the longer they take to respond, the more monthly fees they will collect. This seems like a bait-and-switch from Citi.
Product: Checking or savings account

I was victimized by secret shopper scam. I recognize being naive in falling for this. However, the bank has discretion for funds availability on check deposits and they made the entire amount of the check immediately available. By doing this, they are not protecting the consumer from these scams, they become the enabler to the fraudsters. The bank needs to place a hold until the validity of the check is confirmed. This makes every small consumer account susceptible to this scam. 

The check was deposited on XX/XX/2020, the amount of the check was {$2800.00}. I reported it as fraud but Wells Fargo refused to make me whole.
Product: Debt collection

Received texts and calls from person/s indicating that they worked with MRS Associates debt collection about a debt owed to XXXX XXXX. I have zero knowledge of having any debts owed and the numbers do not match listed numbers for MRS Associates so I believe them to be completely fraudulent. 

The number that they called with is : XXXX They texted with : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their Advertised promise.
Product: Mortgage

Hello, I sold and closed on my house on XXXX XXXX,2022 and have been trying for nearly 8  weeks to get a refund of my escrow that was held by Wells Fargo XXXX 
First I was told it takes 20 days before a check would be issued. 
Then I was told it was delayed 2 more weeks because of their mailing cycle. 
Then I find out they " sent the check to the home I just sold '' and it would be another 2 weeks. 
Then told they would cancel the check and direct deposit to my non Wells Fargo account and still nothing ( XX/XX/XXXX22 ) Then today a week later no deposit, called to get status and told they don't wire funds to non wells fargo account and another check was issued on XX/XX/XXXX. 

1 ... I can't get a manager to find out what happened to my personal banking information 2. I still do not have my money and at almost 8 weeks post close I am entitled to interest. 
3. I have no confidence that I will see this check. 
4. I offered to pick it up from a Wells Fargo office. 

I am doing all the work and getting zero results. 

I am frustrated and angry and want my money now. 

Thank you for your consideration, XXXX XXXX
Product: Checking or savings account

Fraudsters initiated chargeback to my account totaling XXXX. My checking account was comprised and chase bank allowed these reversals to my account plus the fraudsters deposited XXXX in check by mobile deposit. When I became aware of the activity I reported it to my bank and close my accounts. The bank gave me a new checking account and paid my creditors but are charging me for the balance. They allowed these people to infiltrate my account and expect to pay the balances
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows a drop in my credit score from XXXX XXXX, XXXX through XXXX XXXX of 31 points without any explanation. In the past I 've been able to review if any credit applied for or other activity that would cause a decrease or increase in my score. I call XXXX and they sent a summary, but did n't address the reason for the drop in points. Transunion later drop my score XXXX XXXX, through XXXX, XXXX 32 points without any explanation through XXXX XXXX. I just want to know what cause my score to be effected.
Product: Checking or savings account

At the beginning of XXXX, I was charged XXXX for XXXX I didnt recognize this charge so I disputed it with my bank and they denied it for reasons unknown a couple months went by and {$110.00} was taken out of my account for the same charge Same Merchant, I called the merchant work with them and we came to the conclusion that I was not reliable for the funds so they issued a refund. I never received any of this money so I spoke with XXXX a couple times and they stated that the bank did a charge back on the XXXX on XX/XX/XXXX at XXXX XXXX which I never received the money back from to this day and they refused that they have it or had anything to do with it. They deny any involvement still waiting on the refund. Still waiting on the refund for the one XXXX, which they also denied dispute wise. They cant be investigating these disputes. The merchant itself reverse the charge yet theyre denying a dispute so what kind of investigation are they doing? They couldnt have contacted the company the merchant because they wouldve told them that they had already reversed it. I dont believe these disputes are done or investigated properly at all ever I sent in the paperwork that I received from XXXX stating they did not hold me liable for either charge and they still denied the dispute, so they clearly did not have any communication with XXXX at all so what kind of invasion investigation was done? I did all the investigating I dont get paid for it. Im around everything to take money out of my bank account. I dont feel safe. They cant even track down any refund that was done and when they did charge themselves, their service is terrible. They dont know whats going on. Theyre rude. Theyre not knowledgeable at all and there they always want to be done real fast. They try to tell you whatever you wan na hear and then theyre gone. They dont spend any time listening to you disputed wrong amount wrong places, because they have not paid attention to what I was saying if they werent such a hurry, maybe they Would have understood where I was coming from they refuse to provisional credit they refused to dispute they they left me with XXXX funds after I disputed this first one they still allowed the same company to take {$110.00} out which is beyond me. I just want my money back so I could close this account. I also has fraud on here. Ive received a letter that someone is attempting to change my address and disputes that I never even Filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i received an credit alert from Experian stating that a credit card for {$30.00} from XXXX XXXX  was open in my name as the authorized user. i don't have no idea who open this fraudulent account in my name. this information is on my credit report with the Fraud addressed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a loan with Zia Finance. I told them a couple months ago that I would pay them as soon as I could. My wife is XXXX and to us paying her XXXX bills is our priority. They constantly call my wife, all my references, and myself at least 10 times a day. They call back to back non stop. I have told them before not to be continuously calling because I am at work and can not speak on the phone. They continue to harass me. They have called my boss before and I told them not to be calling him. Today XXXX/XXXX/2015 they showed up at my work and told my boss that I owe money and they cant get a hold of me so they need all my information. On Friday a woman showed up to my home, like they do everyday, and my wife had a sign on the door saying that our newborn was sleeping and not to knock. The lady started knocking as loud as she could and my wife went to the door and asked her if she read the sign because she woke up the baby. The lady said " Yes I read it but I do n't care, XXXX needs to pay his bills ''. The lady then threw the paper stating the amount owed in my wife 's face. My wife went outside and told her to leave. She went to sit in her truck and said she did n't have to leave and just kept repeating " Tell XXXX to pay his bills ''. My wife also mentioned that whoever came by the day before tore our screen door trying to shove the paper into it. She then stated that " If XXXX paid his bills that would n't happen ''. I am being harassed by them everyday. They told me they are allowed to call and show up as much as they want!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : 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 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: Mortgage

During the XXXX storm I was told that I did not have to make 3 months worth of mortgage payment to alleviate with the conditions faced in Puerto Rico and that these 23 months will be added to the end of the Mortgage life. Upon month 4 I received information noting that I was required to make the 3 month mortgage pmt and the current month mortgage payment or I will be faced with potential foreclosure. I am a senior who lost everything and live on a fix income. I felt mislead by the Bank by the offer made to me with misleading information. I have tried to come to an agreement with the bank and was not able to resolve my issue. XXXX XXXX in XXXX Puerto Rico.