23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This is my second CFPB complaint about UMB Bank practices to withhold money from me.

In the first instance, UMB withheld payment of cash back rewards earned. In response to that, I paid the full amount owing to UMB ( {$280.00} see attached print PDF file ) on XX/XX/2022 and closed the account which I have attached a letter from UMB confirming the closure dated XX/XX/2022 ( see attached print PDF file ). 

Now UMB, on XX/XX/2022, has illegally stolen {$280.00} from my primary checking account even thou my UMB account had a balance of zero and it has been at zero since XX/XX/2022. This is nothing but an illegal theft of funds from me and UMB should be sanctioned if not criminally prosecuted. I called UMB customer service and demanded that UMB send me a check for the {$280.00} via overnight Priority Mail and I have not received the funds which I need desperately. The representative said she would Request priority mail, but otherwise it would take 7 to 10 days. 7 to 10 days is totally unacceptable to rectify the theft of my money by UMB. His is a blatant attempt by UMB to maintain as much float of other peoples funds as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. Accounts List As Follow : XXXX XXXX XXXX ( Bank ) XX/XX/2022, XXXX XXXX XXXX ( Bank ) XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" NEW ISSUE '' XXXX  and COLLECTION CENTER, WY continue to report an account that was opened in my name without my permission. Additionally this was a result of fraud and identify theft. I have disputed this account to be removed. Police report is your responsibility to retrieve and investigate. Continue to report this account is a major violation.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I requested a redemption from Gemini XXXX product of {$110000.00} and they have failed to meet the redemption according to their Terms of Service of 5 business days. A pending redemption was scheduled to be deposited on or before XX/XX/2022, but still has not been processed.
Product: Debt collection

Bread Pay email collection states that they will only stop contacting via phone employers of a debt if I mail the request. If I inform them over the phone to stop contacting me at my employer, I must send a letter confirming such choice within 10 days or the request is not valid. This is illegal. If I request that the collection agency stop contacting my employer, they must stop doing sofull stop. The law does not indicate how I inform the collection agency of my request, just that I inform them. Bread is using predatory and illegal tactics to collect. See footer of attached email for proof. This serves as my notice to not call my employer. Be warned that if Bread does contact my employer or tries to contact me at my employer, I intend to sue to the fullest extent of the lawand I will prevail.
Product: Money transfer, virtual currency, or money service

So on XXXX my boyfriend XXXX XXXX had sent me some XXXX to my Cash app account, but for some odd reason I'm not able to get into the account all of a sudden. So I had followed the steps on the screen to try to gain access to my account which your only options are to locate account by phone number, email address or cash tag XXXX which in this case I used my cash tag XXXX $ XXXX it then all of a sudden wanted second verification which was either entering cash app pin number, cash app card number or your linked debit card number. So I entered my cash app pin number as I don't have a cash app card and I had entered my debit card on file and it's telling me it's wrong. So I ran out of attempts now the only option is to enter cash app card number which I never obtained one So my boyfriend XXXX XXXX cash tag name $ XXXX email address XXXX reached out to cash app and explained the situation and before even stating ichat it provides you with a list of options to chose from to let them know what you are reaching out for. So he selected cancel transfer the agent comes on to the chat and tells him that they can't cancel it well why was it an option so he had explained to them that he had sent it to me and that I was having issues getting into my account. They told him that they can't provide him with any information until he's logged into the account that he's having issues with First of all it's my account so how can heog in secondly I can't even get into my account to begin with. So they told him to tell me to create a new account and reach out to them and they will be more than happy to help me out with getting into my account so that's what I did So I had reached out to live chat and explained the situation and the Guy said before he can help me get into my account I need to verify my identity which is pretty strange as it was already verified but what ever he sent me a link via text and it wanted a clear picture of the front and back of a valid ud or driver 's license and a selfie so I did he said to let bim know when i was done and i did He then all if a sudden said that he couldnt help me get into my account and that i needed to verify my identity for the account that i had just created no u dont think so
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Vehicle loan or lease

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer XXXX TransUnion credit report, which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX XXXX on XX/XX/year> under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Mortgage

I have a Mortgage with PHH and they aren't helpful at the moment, I has medical emergency in my Family and because of hospital bills, I could not pay my mortgage in time, but before I could get back on my feet, the corona virus crisis started and I started getting behind on my mortgage payments, PHH wont give me a loan modification as I have about {$200000.00} in equity and they wont accept partial payments on the loan either, I tried working out with them but they want about {$13000.00} to get me out of foreclosure, because of corona virus crisis, I have lost my job and barely surviving, if you could help me get a repayment plan where in I can pay a down payment on the mortgage, and the balance can be split over and added to my monthly payments, I can try to get back current. 

I can come up with {$5000.00} as a down payment on the mortgage, and the balance can be split over and added to monthly payments.
Product: Credit card or prepaid card

I have an Ally Credit Card and have been using it no problem for the last 6 months. Last Month they initiated a process to integrate their website so that Credit Card users and Bank users will go through Ally.com to access their account. As part of this process I lost access to see my account on card.ally.com and had to re-register on the banking website ally.com. I went to the page and entered my information, it then prompted me to send me a registraction code to my phone number or email. The number and email it showed though were both a very old email and phone number that I no longer use so couldn't recieve the code. I called the bank on the number provided and spoke to customer service at the credit card company. They told me they saw what the issue was and had opened a ticket and that it would be fixed in 5-7 days and someone would reach out to me. I went away on vacation and over the time, neve was responded to or provided any fix. After I got back, I called the number gain and I spoke with a manager. She told me that they had sent the information to the bank side which managed the system and thought they had changed it, but obviously it hadn't. She mailed me a letter as they don't email or call with issues, this seems like a silly policy, that said they created the ticket. She said that it should be fixed in 5-7 days, that was a week ago. I also called the Bank number and was told that they can't help me as I don't have a bank account, I said I ahve a credit card and that the Credit Card company said that the bank had to apply the fix. I filed a complaint and gave a very low review on the customer support line. I then called the Credit Card company two days ago. They said that they are working on it, but it still hasn't been resolved but someone would contact me within 48 hours. Nobody has reached out to me yet. I still can't access my account on the website, I was able to pay my bill online, but I need to be able to access my information to manage my account. I attached screenshots of what happened, I don't have the letter yet, but can provide that when I do.
Product: Money transfer, virtual currency, or money service

I sent a wire transfer in the amount of {$8000.00} to coinbase on X/XX/17 as instructed on their website. however, I still have not received on my wallet. When I sent emails, their response was I did not do the verification to receive wire transfers. So I checked my account, there, I did verification twice using my DL. They said that money should reverse it back to my bank account if it does n't go thru their system, but it 's been almost two weeks since i had last email. They do n't even reply back to me regarding this issue. I do n't even see a pending messages on my account. this is online bank statement -- - > email : XXXX Amount : XXXX TRANSFER : Coinbase, Inc Confirmation # XXXX > Edit Description > activity type transfer > status type icon cleared > Cleared. Select to mark activity type transfer XXXX TRANSFER : Coinbase, Inc Confirmation # XXXX as Reconciled XXXX
Product: Mortgage

I closed on my new home on XXXX and over XXXX dollars was put in my escrow. I got my tax bill for 2019, which was XXXX. I sent this 2019 property tax bill over to XXXX at Prosperity Mortgage who closed on my loan. I was told by my contact at Prosperity that the bill was paid along with my homeowners insurance. She said the balance in my escrow was {$6900.00} after these items was paid as of XXXX. However, after my mortgage was transferred to the new servicer, XXXX XXXX XXXX, my escrow balance is showing {$1000.00}. I was told my XXXX that prosperity paid another tax bill of {$7100.00} which there is not such bill. The bill was actually XXXX can't get in touch with anyone at Prosperity to let me know what happened to all the money in my escrow.
Product: Vehicle loan or lease

On about Fri, XX/XX/2023, I call XXXX XXXX ' customer service asking about the alleged account for my automobile. GM Financial claimed I owed them money so I asked for the original contract that I signed with them so that I can tender the account. They didn't not send it. GM Financial sent me the purchase contract that I signed with XXXX XXXX of XXXX. According to XXXX, XXXX received payment for the Agreement ( Debenture ) and also transferred the debenture to GM Financial as the company who purchased that said debenture. XXXX said their transaction was completed with the day of the purchase. Nowhere in my contract names XXXX XXXX XXXX as my creditor nor have I sat down with any agent of GM Financial to create any agreement. If I did it wasn't given full disclosure on XXXX XXXX ' involvement and to my understanding that makes the contract unconscionable. 

On Tues, XX/XX/2023 XXXX XXXX XXXX repossessed my Truck ( Automobile ) using a company named Loss Prevention Services at about XXXX. I first called GM Financial and spoke XXXX agents. XXXX # XXXX which was the XXXX agent I spoke to informed me that the debt was Charged Off. After I put them on notice that they weren't supposed to take my truck according to 15 USC 1692e ( 4 ), she said that GM Financial had a lien on the truck and didn't know what a XXXX XXXX XXXX filing was. I told her that XXXX should have filed that in order to repossess my property. She wasn't sure so she transfer me to her supervisor XXXX # XXXX. I spoke with her and she confirmed that there is no UCC 1 lien and no warrant signed by proper authorities to repossess my Truck. They refused to return my Truck knowing these facts : XXXX. that they are not the owner my truck, nor do they have permission from me, to repossess it 2. There is not a Proper Lien on the car nor a Judge signed warrant for the property 3. Has not provided proof of claim that I owe them or that they gave me a loan 4. Is collecting security interest on a debenture and requiring me to pay them more on a contract I tendered with XXXX and which also they claim was Charged off. 
XXXX. Has broken the law knowing that repossession on a debt is illegal So far the only documents GM Financial has sent was a copy of my contract with XXXX and a letter that wasn't notarized from a responsible party. This has put me in an awkward position and is causing me unjust hardship. I'm a single mother of XXXX and a veteran. Please help me resolve this issue.
Product: Debt collection

XXXX XXXX with XXXX cellular service was cancelled on XX/XX/2022. I continued to receive bills until XXXX of 2022 stating I owed {$170.00}. That amount was turned over to XXXX XXXX and then to AmSher Collections and had increased to {$180.00}. I attempted getting this settled with XXXX at there store at XXXX XXXX XXXX, XXXX, XXXX  and also by numerous telephone calls to their customer service department. It never ended with a resolution. I have documentation from them that shows i paid the phone amount and the bill. It shows {$0.00} amount for the lease phone and last charges paid of {$36.00}. I have sent this information to AmSher, to XXXX and to XXXX as disputes. With no satisfactory resolution. I cancelled the service, through the steps I was given by their CS rep. I could not return the phone to the store at that time ( XX/XX/XXXX ) because the service had been cancelled. The store rep called customer service for return shipping label for the phone and they were told it could not be done because the phone service had been cancelled. I then received a " return your device as soon as possible '' letter dated XX/XX/2022 stating to return the device no later than XXXX days ( XX/XX/2022 ). I did so on XX/XX/2022, paid the fees/cost for the return and received a {$0.00} balance owed letter for the phone and a paid receipt for the last amount owed on the service of {$36.00} or {$37.00}. This needs to be further investigated on why I have a collection on my record. No one thus far has told me EXACTLY how I owe these charges.
Product: Debt collection

I was injured at work in XX/XX/XXXX and XXXX took over. I had surgery done on XX/XX/XXXX, and all my medical bills were to be paid by XXXX. They are charging me rather than the Insurance company. I have sent XXXX all the debts outstanding and they promised to pay but they are still delinquent on my credit reports.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681.

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, states a consumer reporting agency can not furnish an account without my written instruction. 

XXXX5 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 record of convictions of crime which antedates the report by more than seven years. 

ACCOUNTS : XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX date of unauthorized inquiry : XX/XX/XXXX XXXX XXXX- date of unauthorized inquiry : XX/XX/XXXX XXXX XXXX- date of unauthorized inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX date of unauthorized inquiry : XX/XX/XXXX XXXX XXXX XXXX- date of unauthorized inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DISPUTING DEPT OF ED/ XXXX FOR A YEAR 6 MONTH AGO THE CREDIT BRUEA REMOVE THE ACCOUNT BECAUSE THEY WHERE NOT ABLE TO VERIFY WITH THE 30 DAY THIS ACCOUNTS DOSE NOT BELONG TO ME I REPORT THESE ACCOUNT TO THE XXXX AND FILL OUT THE AFFIDAVIT THAT EVEN XXXX SEND ME AND NOTHING IS BEING DONE THEY JUST KEEP ON SENDING THE SAME THING NO DOUCMENT THAT SHOW THAT IT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXXXXXX XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604A section 2 : it also States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open-end Consumer Credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have tons of old debts, collections, and charge-offs on my credit file. Some are very old that should have fallen off by now, and some that may show inaccurate amounts. I was turned down for being pre-approved for a va home loan. However, these old debts were calculated and mostly the ones I paid in full. 


1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX ( inaccurate dates ) account was opened XX/XX/XXXX in XXXX XXXX Utah located at the XXXX inside of XXXX XXXX 's building when I was in training to become a XXXX XXXX. Date is showing I opened this acct XX/XX/XXXX. This information is false. 
5. XXXX XXXX XXXX XXXX 6. Sears is still on my credit file after 8 years and payment in full. 
7. XXXX XXXX XXXX was supposed to settle this debt after the SCRA case was closed.
Product: Checking or savings account

Dear Consumer Finance Bureau, I have attempted to deal with Wells Fargo for many years, almost 15 to be exact. During that time, I have continuously asked for them NOT to send physical bank statements and marketing correspondence. I have been to the branch many times and asked for this to be changed. I am concerned about my privacy in financial matters, as my family has several accounts. I do not believe that my complaints are taken seriously at Wells Fargo. I perceive that they have too much business, inadequate system design, and not enough customer service help. Regardless, my continued requests and concern for me banking privacy are not being addressed. The branch that I go to is located at : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Kindest Regards, XXXX XXXX
Product: Credit card or prepaid card

Ive tried contacting Bank of America ever since I opened the account with them. And theyve never graduated my secured credit card and its been almost two years since I opened the card. Ive tried contacting them and they have given me extensive reasons as to why they deny my request. But they mostly dont make any sense to me. They said one of my accounts showed delinquency. Which isnt true since Ive always paid my bills on time. They just want to keep charging me an annual fee for a card I dont even use since it doesnt have any benefits. But I dont want to close the account either because I would lose the credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 ( A ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( A ) 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 conviction 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.