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

My Apple Card was suddenly closed in XXXX of XXXX  due to multiple fraudulent activity, and my Apple Cash Account was locked. The fraudulent activity was out of my control and I also reported identity theft to the police with proof due to multiple bank account and credit cards getting hacked. I have been trying to find answers by calling support numerous, but no one has been able to provide me with a clear and specific reason as to why my accounts were shut down. All they have been able to tell me is that it was due to " regulatory reasons, '' which is not very helpful. 

As far as my Apple Cash goes, there was a dispute filed to my XXXX due to me thinking it was a fraud transaction since at the time I was going through multiple hacked accounts. After I realized that I was the one who completed the transaction I sorted it it with my bank stating that it was not fraud and the issue was then resolved. To be completely restricted due to this mistake without warning or discussion is unacceptable. I would use Apple Cash very often and it was used to make payments to merchants, friends, businesses, bills, etc. and out of nowhere XXXXXXXX XXXX XXXX chose to restrict my account permanently without any explanation. I called Apple support multiple and they could not help me in the slightest. 

I have never committed any type of fraud. 

Despite being told that I can transfer my money out at any point, I haven't been able to do so yet because my account is locked. 

However, the real issue is wit

h the Apple Cash being closed, because that was my only way of payment to people and it was taken away from me due to something that was out of my control. I can't prevent my identity being stolen and I soon as I saw fraudulent activity on my account I reported it. I have asked numerous of times why they restricted me from Apple Cash and they
never give me an answer. I have been given the run around multiple times without any progress or solution. 

I know Apple Cash is affiliated to XXXX XXXX  and they made the decision to permanently close my account without explanation. I have been without Apple Cash for over a year now without warning and need XXXXXXXX XXXX XXXX to reinstate my account. This is completely wrong and unfair and I do not appreciate the lack of communication as well. 

In summary, XXXXXXXX XXXX XXXX  has mishandled my Apple Cash account and created unnecessary complications. I urge Apple to review and correct their procedures regarding unclaimed properties to prevent similar issues for other customers.
Product: Checking or savings account

I had unauthorized amounts of money taken from account starting the whole year of XXXX from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. I filed claims for all of these transactions totally over {$30000.00}. Im finally getting these claims resolved after XXXX year. In the interim of all of this Ive developed XXXX XXXX, which has enabled me to work to my normal capacity. Not having this money in my account has caused me to almost lose my place to live. My credit card payments were in default, I got behind on my car payments which caused my vehicle to be repossessed on XX/XX/XXXX. I spent endless days contacting Bank of America about clearing this all up, the claims would be denied for payment. Until I continued to submit additional faxes supporting my claims. I spent over {$60.00} just in faxing the documents. Along with all of this my credit scores that were XXXX and XXXX have been lowered to XXXX, XXXX and XXXX. Im broken I cant even get a new vehicle without thousands of dollars and a high interest rate. Ive had to pay {$1800.00} in late fees, and eviction filing fees, for getting behind on my rent. I now have a {$57000.00} debt on my credit report for my vehicle being repossessed. I exhausted my other accounts that I had at other financial institutions trying to stay afloat. Ive been reported to XXXX by BOFA which makes it hard for me to get additional accounts elsewhere. BOFA had no sense of urgency for the fraud that occurred in my account. I lost out completely and taking a total of XXXX  months to handle this have been overwhelming. BOFA wasnt concerned about me as a consumer and they closed my accounts on XX/XX/XXXX with all of these claims still open. Im pleading for BOFA to compensate me for all of the devastation this has caused me financially, and the time I spent tirelessly on the phone with them. All I got was Im sorry, I understand but no quick resolutions. I worked hard to purchase a brand new XXXX XXXX XXXX for it to be taken from me because I couldnt pay my car payment because all of this missing money from my account. My bank statements from BOFA shows that I paid all of my bills on time. With this deficit wasnt able to. Also when my vehicle was repossessed my expensive handbag, wallet etc was in the vehicle because I was on my way to a doctors appt. I went in the house to get something that I had forgotten and came back out and the vehicle was gone. During the storage of the repossessed vehicle it was compromised and the battery was taken from the vehicle because I was getting emails and text notifications from XXXX XXXX that it had been. Again all could have been avoided had BOFA paid the claims in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit score dropped 40 points and I m in the middle of refinancing.I have a equity line with XXXX bank and I have paid them since I took it out.For the month of XXXX and XXXX it was paid past the due date however I did talk to XXXX XXXX First Vice President, Loss Mitigation Lending Compliance NMLS ID # XXXX and let him know there was some financial issues I was going through.I understand about the recent payments but i have done my very best to have it current despite the pandemic cutting our income by half.I talked to XXXX bank about it.I haven't even elected to defer or skip mortgages and paying every month.I need XXXX bank to send Equifax information showing that the payment is paid and the account is in current status otherwise I will not be able to refinance because of the derogatory remarks.I contacted them directly and no one even knew what I was talking about instead I got a statement from XXXX XXXXVice President, Branch Manager Direct XXXX showing a payment history.This account has been open since XX/XX/2017. 
Im not past due, I havent failed to pay a single payment, Im not in default I dont understand.I have contacted Equifax they need that information from hills bank showing its current for them to update the score.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights . 

TRANSUNION 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 XXXXXX/XX/XXXX has violated my rights. 


I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/XXXXXXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 am writing this complaint against Navy Federal Credit Union regarding multiple overdraft fee i have incurred.Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB FINDINGS against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds.i believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - 1999 Incorrect Previous Address ( es ) : 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 XXXX XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq. , it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Student loan

In XX/XX/XXXX, I received a letter from the Department of Education ( DOE ) that my XXXX ( XXXX XXXX ) loans were being XXXX based on Borrower Defense Evidence. To this day, the XXXX loans remain on my student loan account and are continuing to accrue interest, even though they have been discharged by the DOE. 
On XX/XX/XXXX I received a letter from Mohela that my XXXX XXXX ( XXXX  ) student loans were put into forbearance, with no explanation. Then on XX/XX/XXXX, I received another letter stating that the remainder of my loans ( XXXX XXXX and XXXX XXXX ) were also put into forbearance, again with no explanation. The forbearance end date is XX/XX/XXXX and interest continues to accumulate on all loans ( XXXX, XXXX, XXXX ) at a substantial rate. Since XX/XX/XXXX, I have submitted four email messages to Mohela requesting information as to why they put my loans into a forbearance status and have not received a reply as of XX/XX/XXXX. I did call them on XX/XX/XXXX, and after nearly 4 hours of being on hold, I was told that they " think '' it may be because the loans are being discharged/forgiven and that I should not make a payment on my loans until this gets this gets resolved, which can be anywhere from 90 to 180 days. As of XX/XX/XXXX the back interest I owe is now at {$550.00} and continues to grow at approximately $ XXXX a day.
Product: Debt or credit management

Well this is with Experian they asked me to connect my bank account to show my payments I have all my loans and account connected so they can see all my transactions they say I have to payments to boost cause they can't see it but I can see it on there web site but they can't seem that I made XXXX payments on my truck loan in XXXX to catch up how is it they can't see it or add it to the booster to boost my credit if that XXXX wat they say it says add your bills so that we can give u a credit boost I spent over XXXX dollars XXXX bills the month of XXXX to catch up on bills the have the update information but my credit report looks like I never pay my bills also I have medical records that reflected negative on my credit when that was not me I've always had medical insurance
Product: Mortgage

I recently refinanced my FHA mortgage to a conventional mortgage to get rid of the PMI, However when it was time to closing I realized that my FHA mortgage holder was collecting two months of interest and two months of PMI, whoever they were paid in 6 weeks and they did n't give me a refund for the extra 2 weeks paid, perhaps they collected for the month of XXXX and XXXX but they were paid off on XXXX XXXX, I believe they owe my the interest and the PMI charged for the last two weeks of XXXX, I have called but their customer service does n't seem to be too helpful trying to tell me that my refund was already issued, however all they ever sent me was my Escrow account balance not a penny extra.
Product: Checking or savings account

I opened up a XXXX XXXX business with paypal XXXX to keep track of expenses. I was getting customer saying they didnt get there parts they ordered for there cars. I told them this is a XXXX XXXX business. So then I contacted the paypal company saying this is not a parts store. Its a XXXX XXXX  business. They would not even help me to stop incomming payments for customers i didnt even have set up for yet. I just opened the site and i didnt want anyonee on the customer list unless i added then to it. So they kept saying i owe XXXX but i never got money. I want my paypal account deleted for good. I told them I'm XXXX off about them not helping me. I will never use paypal again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX TOL - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX TOL - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inaccurate personal informations listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to the credit bureaus. The reality that these informations continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate informations listed below as a result. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/2019
Product: Student loan

XXXX I paid off all my student loans IN FULL ( according to my knowledge ) XX/XX/XXXX ( XXXX  years later ) I got an email saying I owe {$12000.00}. Whatever, maybe I missed something. I paid it off again IN FULL. This time I documented that I had no chargers left on the Mohela account ( see attached documents ). 

Than XX/XX/XXXX I get an email, yet again from our friends at Mohela. You owe {$22.00}? Please pay now ( see attached screenshot ). 

This time I can't log into my account, I tried resetting passwords. It says it doesn't even recognize my social security number or birthday. 

I am at the point where I think they will ask for random money the rest of my life and I want to be free. They are impossible to get ahold of, not thi seemed like my only choice.
Product: Debt collection

I insist on immediate action to remove the items listed on my identity theft report, as mandated by FCRA Section 605B. Provide prompt compliance by removing/blocking the erroneous information from my credit report within the 4-business-day timeframe specified by the law. Failure to do so will result in legal action. Acknowledge this demand and ensure the necessary notifications are sent to all furnishers of the information promptly. Fraudulent Items 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 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. Please remove ASAP.
Product: Debt collection

I have sent Barclay Bank two certified letters ( XX/XX/XXXX, XX/XX/XXXX, both inXX/XX/XXXX) to request them to eliminate this account from my credit reports as it is my father 's who died in XX/XX/2021. I have requested an investigation of this account and for them to provide any proof that this account is mine but they have ignored my letters and phone calls. I have recently seen where they have re-aged this account so to add extra length to a debt that is not mine.
Product: Checking or savings account

On XX/XX/XXXX, I was scammed by a XXXX XXXX seller who was running an online store on a website called big cartel. He was using a fake account by the name of XXXX XXXX and now he has changed it to XXXX XXXX. I was buying some XXXX XXXX XXXX figures from him. 

He scammed me out of {$200.00}. He blocked me on XXXX once I confronted him that he never shipped the items or provided tracking. He even attempted to delete the listing on XXXX which I noticed since it tried to delete our XXXXXXXX XXXX conversation as well. 

Until now the items have never arrived and XXXX is unreachable. I lost my money and Ive been trying to get it refunded from Bank of America for 3 months. 

Bank of America has refused to refund my money till this day. 

I filed a claim on XX/XX/XXXX and 2 months later it was denied. I filed another claim on XX/XX/XXXX explaining my situation further to BOA and trying to clarify that I was reporting fraud from the seller. But it was still denied. 

I dont know what to do at this point.
Product: Debt collection

This is an old XXXX bill that accrued in XXXX. LJ Ross refuses to even contact me regarding this fact. XXXX told me that they sold ALL my account information to LJ Ross Associates, so I know that LJ Ross has  the information and they are still showing this old amount on my credit reports. They will not acknowledge me and or my requests, demands, etc, regarding said matter. They are fraudulent and they know it.
Product: Debt collection

I have asked for but have not received any sort of statement showing what I owe and to whom. I have also asked that they not call me at work but yet they continue to do so. I even provided them with my cell phone number instead. 

I have offered to submit money to this account on a monthly basis once I receive documentation of the outstanding bill. They refused to accept any sort of payment unless it was {$250.00} or more a month.
Product: Credit reporting or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may a victim of identity theft. I was not alerted to this information being authorized on my reports and I insisting that they be deleted from my credit reports as soon as possible. These items are fraudulent and impacting my relationship with creditors. I have reported the theft of my identity to the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1 ). I was looking over my credit report recently and found a bankruptcy and am requesting you verify the accuracy of this entry. If verification is not possible, the entry must be removed immediately. | *USBK COURT NORTHERN CALIFORNIA XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX, ( XXXX ) XXXX ( 2 ). This letter is in response to your recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. 
XXXX XXXX XXXX with account number XXXX _____ *See attached documents :