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

I am a Bank of America customer, and my checking account was frozen without warning on XX/XX/year>. Since then, I have been unable to access my funds, make payments, or transfer money via XXXX. 

I first discovered the issue when my payments started failing, including my rent ( which has a 10 % late fee ), Car insurance ( XXXX might be cancelled any day now ), Groceries, Gas. I immediately contacted Bank of Americas XXXX XXXX  and XXXX department, who told me my account was under review but provided no clear reason or timeline for resolution. 

On XXXX, a Bank of America representative XXXX Which I was on hold for over XXXX XXXX  ) assured me that my account would be unfrozen within XXXX business XXXX. However, as of today, my account is still frozen, and I have received no further updates. 

This has caused me severe financial hardship, as I am unable to pay my essential bills, access my funds, or conduct necessary financial transactions. Despite multiple calls, branch visits, and emails to Bank of Americas XXXX team, I am still being denied access to my own money. 

Bank of Americas lack of transparency and failure to honor its own promised resolution timeframe has left me in a dire situation. I am requesting immediate intervention to restore access to my funds.
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 XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I had initiated a withdrawal from my Apple savings account which is sponsored by Goldman Sachs. I had initiated a transfer on XX/XX/XXXX at XXXX XXXX  and on XXXX  XX/XX/XXXX, i called Goldman Sachs to inquire the status of my withdrawal. They stated it's still in a review process. Therefore, i called them late evening and they gave me three different answers.

First answer was that they needed to verify my bank account. Which i did by doing a conference call with Goldman Sachs and my transferring bank XXXX XXXX XXXX XXXX. Thereafter, they told me that i am all set and my money would be transferred to XXXX XXXX XXXX XXXX. 
Thereafter i called again to get a status on same evening, they stated that it's still in a review process. I told them that my other bank ( XXXX ) account was verified and they had told me that my money would be transferred. They basically said " Sorry '' but we can't help you. I asked them to talk to supervisor, they stated they do not have a supervisor or managers. They are busy, till today XX/XX/2023, i haven't heard back from any supervisor or manager. 
Third answer i received was that i can't get my money because i wasn't transferring out to the same back as the money came in from. 
Therefore, i called them on XX/XX/XXXX morning and by that time my transaction was showing as " Declined ''. Therefore, they advised that i initiate a new transfer. Therefore, i did a new transfer. 

I need this money to put a down payment for our new home. This postponed our closing on XX/XX/XXXX. My household good had to be delayed as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I had to reschedule handyman, appliance delivery, window and door installation. 

This has caused us a significant amount of stress by them not providing an accurate answer to get our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Consumer reporting agencies are reporting transactions or experiences between me and creditors making the reports but its stated in the law below consumer reports does not include transactions or experiences so I want all late payments removed from my report and and all closed accounts removed as soon as possible because they are currently giving me a hardship in my life.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; remove all closed accounts and any accounts that causes harm to my credit report now as onXX/XX/2023 this law below made by congress gives me as a consumer that right and protection from these consumer reporting agencies 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general 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.
Product: Mortgage

My escrow account shows that on XX/XX/2023 my home insurance was paid in full. However, my insurance company has not received this payment. 

I'm trying to communicate with the mortgage company but their phone number automated answering system does not allow for home owners to talk to a representative. The system keeps stating a payment was made on XXXX ( XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

" Shop Your Way XXXX '' - ending in XXXX had identify problems so I asked for a NEW CREDIT CARD. 

Before card was closed, I asked if there was money owed- they said " NO '' Now a NEW CREDIT CARD ARRIVED - ending with XXXX - did NOT activate it until recently - because this company is a horror to reach and deal with - I kept telling them " I don't receive any statements from you and my online is difficult to log into for me ''! 

On Wednesday I received XXXX " ALERTS '' - there is an outstanding amount owed which now appears on you " CREDIT REPORT ''!!! Alerts came from XXXX ; XXXX XXXX XXXX  ; and XXXX! 

Sure enough - my CREDIT RATING dropped from " EXCELLENT '' to " GOOD '' - for a payment I had " NO IDEA '' I owed! 

Before this - spoke to " Customer Service '' and asked them why do I owe {$2.00} - now it states {$4.00}- on a credit card I just activated????? 

I decided to pay the {$4.00} anyway - told them I would send a check - check # XXXX, dated XX/XX/year>. 

Now I discovered they billed me AGAIN - now for {$6.00} ( additional {$2.00} interest ) - and decided to pay this AGAIN - now for {$6.00} - which I paid online- which they now have a total of {$10.00}! 

With that said, I asked them " CLOSE MY CREDIT CARD IMMEDIATELY '' - I don't want to deal with them going forward. Immediately an email from them stated " sorry to see you go ''! 

Because of them my CREDIT SCORE lowered - the first time in my entire life has this ever happened!
Product: Debt collection

Consumer Financial Protection Bureau Complaint Subject : Violation of Debt Collection Practices by Midland Credit Management I am filing this complaint against Midland Credit Management for multiple violations of federal debt collection laws as outlined below. 

1. Failure to Provide Validation Information : Midland Credit Management has not provided the required validation information under 12 CFR 1006.34 ( b ) ( 5 ) before placing a collection on my consumer report. According to the regulation, the debt collector must provide certain information about the debt and the consumer 's rights before or shortly after placing the collection on the consumer 's credit report. Midland Credit Management 's failure to comply with this requirement has negatively impacted my credit score and financial well-being. 

2. Denial of Dispute Rights : I was not given a chance to dispute the debt as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This regulation mandates that consumers must be given a clear and understandable statement of their right to dispute the debt within 30 days. Midland Credit Management did not provide this opportunity, thereby violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

3. Use of Deceptive Practices : Midland Credit Management has used false, misleading, and deceptive means in their debt collection efforts, violating my consumer rights. These actions are prohibited under the FDCPA, which aims to eliminate abusive and deceptive practices in the collection of consumer debts. 

4. Unauthorized Reporting to Consumer Reporting Agencies : The collection agency has furnished information about my account to consumer reporting agencies without providing all the disclosures required by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). These laws require that all necessary disclosures be provided to the consumer before any information is reported to the credit bureaus. 

Dispute and Communication Revocation : I dispute owning any and all debts to Midland Credit Management. Additionally, I hereby revoke all rights of Midland Credit Management to communicate with me through email, text, or phone calls. Any future communication attempts through these channels will be considered a violation of my rights under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. 

Experian, XXXX and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) Accounts : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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 Notice, it is a fact, and affiant is aware that under 15 USC 1692 ( j ) ( a ) it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

An FTC Report was filed # XXXX I was unable to print and attach.
Product: Debt collection

XXXX XXXX XXXX truck from XXXX XXXX towed a truck that was parked in XXXX XXXX XXXX, in XXXX XXXX, California. According to XXXX XXXX XXXX truck was charging me {$30.00} per day. I never went back to XXXX XXXX XXXX truck to get my truck out. Instead I sing the pink slip releasing my property to XXXX XXXX XXXX. In addition, XXXX XXXX XXXX sold my debt account to Finex Group, LLC. I feel I should not be responsible for The {$2300.00} debt that Finex Group is charging me cause I had release my truck to XXXX XXXX XXXX. Last, I do n't understand why they had to sell my debt to a collection agency.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

Account Name : NCB Account Number : XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX  XXXX COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

The company called me and told me I was past due on my payment I made the payment on time but was never notify that my escrow account went up and was told by the company my escrow account should of never went up so they have put a XXXX day late on my credit for XX/XX/XXXX and XX/XX/XXXX I have asked them to be remove and it still has not been done yet.
Product: Checking or savings account

Filed my taxes through XXXX and at the end of filing it stated I could receive my funds early, a refund advance if I used Credit Karma Money. They made it incredibly easy to open an account and get my advance sent there. Within an hour of receiving my money, my account was locked. They stated I could use my virtual card to make purchases and I made two purchases before it locked. I attempted to chat online with Credit Karma Money and said it was unavailable. The next day I sat on hold for over an hour to finally be told on the phone that there is an account hold and they need to verify information I told her thats fine I can verify whatever they need and she told me they cant do it over the phone. I chatted with 3 people during my call wait time, one ended the chat immediately after I state my problem, two told me they couldnt do anything and left the chat. The only way to fix my account is via email which Im not 100 % comfortable with but I am left no other choice. In my opinion, XXXX and Credit Karma Money are using predatory practices to get people to open a Credit Karma Money account but have no full intentions of allowing people to access that money. And give no solution as to how to fix the problem. Ive now been told I have to wait at least 24-72 hours for my problem to be resolved via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate
or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX  XXXX Inquiry Date : XX/XX/2020 Creditor : XXXX XXXX Inquiry Date : XX/XX/2020 Creditor : XXXX XXXX   XXXX Inquiry Date : XX/XX/2020 Creditor : XXXX XXXX   XXXX Inquiry Date : XX/XX/2020 Creditor : XXXX XXXX Inquiry Date : XX/XX/2020 I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

This complaint arises from the unauthorized use of my debit card for two withdrawals of {$800.00} each ( for a total of {$1600.00} ) on XX/XX/XXXX and XX/XX/XXXX, respectively. These unauthorized withdrawals took place from ATMs in XXXX, Wisconsin and XXXX, Wisconsin, while I was in Illinois where I reside, mere days before my wife went into labor with our son. After I learned of the withdrawals, I contacted my bank, U.S. Bank, to notify the bank of the fraudulent transactions. U.S. Bank asked me to submit a written statement describing the fraudulent activity. Per the bank 's instructions, I submitted a written statement of the fraudulent activity dated XX/XX/XXXX.
By letter dated XX/XX/XXXX, a mere week after I submitted my claim, U.S. Bank sent me a letter stating it had completed its so-called " investigation, '' and in conclusory fashion, denied my claim. U.S. Bank 's shocking letter claims that its investigation " indicates that [ I ] authorized the transaction ( s ) by providing the PIN and card or similar access '' to a non-account holder. 

U.S. Bank 's conclusion is incredible. First, U.S. Bank fails to explain who it concluded that I purportedly authorized to use my debit card, why I would have authorized someone else to drain my account of {$1600.00}, or even a single fact on which its conclusion is based. Second, I was nowhere near the XXXX or XXXX area on the relevant dates. 

After I received U.S. Bank 's denial, I reported this matter to the XXXX, Illinois Police Department. However, the police department stated that it does not have the resources to pursue an investigation into who depleted my bank account, especially since the unauthorized withdrawals took place in Wisconsin and they do not foresee being able to make an arrest in this case. 

In addition and importantly, a representative of the local U.S. Bank branch that I frequent notified me that several accounts were affected after an ATM skimmer had been installed at one of the ATMs that I use, thereby stealing various account information. However, U.S Bank has failed to adequately monitor unusual debit activity such as the out-of-ordinary activity that occurred on my account. 

U.S. Bank 's nonsensical and conclusory assertions denying my claim for the two unauthorized transactions are entirely without merit and should be reversed.