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

I found out on the app, not an email or phone call my account has been frozen because it had negative balance. The negative shouldnt of been there because Im supposed to have overdraft protection but thats for different time. I called the fraud department which never answers a call you have to leave message and wait for call back. So I did this 10 times, no call. Finally a customer service rep says tge freeze will be lifted as soon as account is current. No problem, my direct deposit hit, I am paid once a month so I have bills to pay. Freeze still not lifted, no call back, customer service reps have sent emails on my behalf saying account is current and nothing. This is amazing that a fraud department operates this way. Now its costing me to be late paying because some lazy XXXX wont call me back or just hit a XXXX button. Im absolutely furious right now
Product: Debt collection

Rent Debt Automated Collection XXXX XXXX XXXX XXXX TN XXXX ( XXXX ) XXXX Re : Acct No XXXX To Whom It May Concern : In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you sent. Please note, that your claim is disputed and validation is demanded. 15 USC 1692g I do hereby request that your office provide me with complete documentation to validate that I owe the said debt and have any legal obligation to pay you. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt, and explanation of how debt was obtained. 
The agreement bearing my signature stating that I have agreed to assume the debt. 
Valid copies of the debt agreement stating the amount of the debt and interest charges, and an explanation of how this was calculated Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed, an full audit trail. 
Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing a CFPB complaint against you for the following : * Violation of the Fair Credit Reporting Act - reporting inaccurate information * Violation of the Fair Debt Collection Practices Act - continuing collection activity on a debt which has not been validated This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 

REQUEST FOR CEASE AND DESIST OF CONTACT BY YOUR OFFICE : I would also like to request, in writing, no further contact, either in writing or telephone be made by your offices to my home or to my place of employment, unless it is to provide validation or release of liability of the debt. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for any costs and I may incur. 


Thank you, XXXX XXXX
Product: Checking or savings account

I have an issue to open bank account since XX/XX/2015 because bank of america made mistake and put my name under fraud activities and closed my account. 
I cleared my name with XXXX and I have identity case. 
I cant open account because bank of america still blocking my name. 
Can you please help me. 
Thank you.
Product: Checking or savings account

On XX/XX/XXXX I checked my Arvest checking account online and had two transactions pending but these did not overdraw my account. They were both automatic withdrawals and I'd received emails from both companies stating that they had successfully withdrawn from my account on XX/XX/XXXX. On XX/XX/XXXX. I shopped at XXXX and overdrew my account. HOWEVER, Arvest waited till XX/XX/XXXX. to post all 3 transactions so that I had 3 overdraft charges. This is not the first time they have done this to me and therefore they get as many overdraft charges as they can. I've tried to talk to customer service about this but they tell me it all depends on when the companies state they want their money. None of that makes any sense to me. PLEASE HELP
Product: Money transfer, virtual currency, or money service

My XXXX  and email were hacked allowing them to steal XXXX from my account through a zelle transaction. I contacted zelle who sent me to the bank XXXX XXXX XXXX. The bank in response denied the claim.
Product: Credit card or prepaid card

On XX/XX/2022, I was billed by XXXX XXXX for {$710.00} for a washing machine and delivery to the specified address under my name. XXXX XXXX never delivered the washing machine as agreed so I filed a chargeback with Capital One. 

Capital One initially accepted the chargeback because XXXX XXXX didnt provide the goods and services explicitly agreed upon. Capital One on XX/XX/2022 charged my account for the full amount of {$710.00} and didnt honor the consumer protections I have with the Credit Card XXXX fraudulent transactions from the business owner. 

Capital One provided me with the case number : XXXX XXXX : XXXX
Product: Mortgage

My mother became ill with XXXX, and was living with me during her treatment. I believed her mortgage was on an autopay system through her bank because all of her other bills were arranged that way. She XXXX on XXXX XXXX, 2017, without a will. Shortly after her XXXX, she received notices in the mail that she had missed a payment. In XX/XX/XXXX and XX/XX/XXXX, I tried to contact the mortgage company in order to keep the mortgage current until we can sell the property. The company will not provide me with any information at all on how to keep the mortgage current, where to pay, how much to pay, etc. I have sent several payments to the company, with what I think are the right amounts and to the right spot, but foreclosure notices keep coming in the mail. It is like they are intentionally trying to foreclose on this property without even giving me the chance to make payments until I can sell the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my consumer report and there was a charge off from XXXX XXXX. 

Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a Consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report if a social security card was used in the transaction.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit card or prepaid card

I have Barclays US credit card ( Uber cobrand Visa card ) that has been enrolled in autopay for full balance since inception. 

For the payment due XX/XX/2021, Barclays ' autopay system broke down and did not make the auto payment, and charged me a late fee as a result.

I spoke to Barclays US and they confirmed that they have a computer problem in their autopay system, and that many cardholders who were supposed to have had their payments made automatically were not completed due to their own error. They said that all of these people have been charged late fees automatically by the computer and to get the fee reversed they would have to call in.

I did call in and have the fee reversed, but clearly there are many people who are going to miss this erroneous fee, and late fees are reported to the credit bureaus which could impact some cardholders ' credit scores. 

This type of malfeasance is approaching the XXXX XXXX scandals and I believe the CFPB should fully investigate Barclays ' fraudulent late fee charges.
Product: Checking or savings account

An ACH transfer was processed in the amount of XXXX} on the following dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XXXX, XXXX in total. My bank will only allow us to dispute three of the nine and told us we would have to contact the other financial institution for the other six. They gave us a phone number and we were left to call. When we called the other institution we were asked for an account number but since we did not do business with them they stated they would not be able to assist in any way. This is a reoccurring charge that we are not able to stop without some type of assistance from someone.
Product: Mortgage

Mortgage was transferred from IMPAC MORTGAGE CORP. DBA CASHCALL MORTGAGE to XXXX XXXX XXXX I receive notification of transfer on XX/XX/XXXX that the transfer would happen on XX/XX/XXXX. I tried to cancel the auto payment to IMPAC MORTGAGE CORP. DBA CASHCALL MORTGAGE and I also called to try and stop the payment. They stated that the auto payment was already started. 

OnXX/XX/XXXX, Cash Cash took the mortgage payment of {$910.00}. I called XXXX XXXX  to Notify them that Cash Call had taken my payment, XXXX XXXX told me that they were going to take a payment also. I told them that I didn't have enough money in my account for two mortgage payments. But on XX/XX/XXXX XXXX XXXX took another payment leaving me with an almost {$0.00} balance after outstanding payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is claiming on my credit report that I owe them {$630.00} I called XXXX XXXX to cancelled my policy i inform them that I have move on to XXXX XXXX with no lapse time as required by XXXX XXXX four month later they report me to the credit agency.

I never sign a contract with them as is not required, I would like this item deleted from my credit report.
Product: Mortgage

My brother, aunt, and I inherited my late mother 's home in XXXX. The home had a mortgage on it, which we paid off in XX/XX/XXXX pursuant to a loan payoff quote received from PHH Mortgage Services. Unfortunately, PHH Mortgage Services did not take into account our regular loan payment for that month when providing the payoff quote and, thus, the company received an overpayment when we paid off the loan. PHH Mortgage Services mailed a check for the overpayment in the name of the estate despite being told multiple times, including in XX/XX/XXXX, that our family does not have an estate bank account. 

Following our payoff of the loan, we were informed about the overpayment and told by multiple PHH Mortgage representatives that the mortgage company would issue a check in the amount of the overpayment and would include as the payees the property owners, my brother, aunt, and me, since there was no estate bank account. However, the company sent a check in the name of the estate in spite of their prior claims. When receiving the erroneous check, I contacted the company and was requested to once again send copies of the deed and probate paper. Upon sending those documents, I was informed that the check would be re-issued in our names. I followed up several times after this conversation and a new check was not re-issued until XX/XX/XXXX, and was once again issued with the estate as the payee. 

I have tried resolving this issue with the mortgage company since paying off the loan in XX/XX/XXXX, including speaking with a representative today, XX/XX/XXXX, to no avail. My fear is that the mortgage company will wait for the erroneous check to expire and fail to pay my family the overpayment it received on the account. As I have explained over and over, if their accounts payable team has difficulty understanding how to include multiple payees on a check, then they can simply refund the overpayment to the bank account from which we paid them. 

We are a working class family from extremely humble means so every cent matters to us. We feel it is unfair that PHH Mortgage Services could get away with stealing our money as a result of their own error in not providing an accurate payoff quote. 

We would sincerely appreciate any assistance the CFPB may provide.
Product: Debt collection

None of the options offered pertain to my situation, but I received a notice from National Credit Systems about a debt that was incorrect. A storage company, XXXX XXXX, claimed that I did not give them 30 days notice before vacating and demanded a payment for an additional month. I, in fact, gave them 60 days notice and I had an email and letter to prove it. I contacted NCS within two days of receiving the letter. Despite that fact, they would not return my phone calls and they would not confirm receipt of documents that I sent them showing proof that I had given notification of canceling the storage unit 60 days in advance. When I tried to talk to a manager, the manager cursed at me then hung up on me. They have not investigated the debt and despite me having submitted a dispute for the debt, they have reported the debt to the credit agencies and it is showing up on my credit report. They refuse to return my calls or acknowledge receipt of documents proving I do not owe the debt.
Product: Credit card

Wells Fargo charged a credit fee of XXXX on a balance of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a CFPB complaint, a XXXX  complaint, contacted the Senator of Florida XXXX XXXX, I have contacted the attorney general of Florida, wrote a letter to the Director of the CFPB and I have hired an attorney. I also have 45 recorded calls speaking with Equifax. I will not stop until they pay for the damages they have caused me. I have all supporting documents of their failure to uphold the law in regards to my credit report. They have allowed a creditor to reage the debt on my credit and drop my credit score. They refuse to follow the laws given by the FCRA.
Product: Checking or savings account

I have a transaction on my savings account with Citibank that says " Other Withdrawal '' for {$16000.00} on XX/XX/2019. I did not do this transaction. Citibank refuses to tell me ANY details about the transaction. I'm not even sure if the charge is being disputed or investigated. I've been bounced around on the phone several times. I will go in sequential order 1 ) In early called citibank to find out why they are closing my account. They said there was a fraud issue and that they would close the account and mail me the funds if I verified my address. I verified my address and they mailed me a check for only {$1600.00}. This was the money that was in the checkings account. They did not mail me the money from the savings account. 

2 ) Upon receipt of the check i called back again and asked them where is the savings account money? They told me it was going to come in a separate check. That check never came. 

3 ) On XX/XX/2019 I called Citibank back and they still refuse to tell me what is going on with this transaction. How did this transaction happen, when, where, what is it? Where did the money go? No answers. 

Citibank has my money in limbo. I want to know what is going on. Please note the following : Citibank never contacted me to inform me of ANY of this proactively. No email. No text. No phone call. I had to find out on my own by trying to access my account.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$190.00} XXXX  - XXXX - XX/XX/XXXX - {$120.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$170.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$280.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$4000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$22.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within XXXX business days , pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Date : XXXX XXXX To : XXXX XXXX XXXX XXXX : Request for Removal of Unverifiable Account Dear XXXX XXXX Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$2700.00} from XXXX XXXX, listed on my XXXX XXXX, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XXXX XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Chase Bank regarding the abrupt closure of my active checking and savings accounts in XX/XX/XXXX, which I discovered in early XX/XX/XXXX. I was not provided any prior notification before the accounts were closed. When I contacted customer service, they informed me that the accounts can not be reopened and that the remaining funds in the accounts would be sent to me via check. 

However, I am currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is highly unlikely that I will be able to receive the mailed check due to international mailing challenges. Additionally, I have no way to visit a branch in person. The funds from my accounts are essentially inaccessible, and all account information has been removed from my Chase mobile app. Customer service mentioned that the checks can not be tracked, leaving me in a position where I am unable to locate my money or regain access to my accounts. 

I urgently need assistance in recovering my funds and addressing this issue, as this situation has caused me significant distress and financial uncertainty.
Product: Debt collection

I filed for bankruptcy on XXXX/XXXX/2016. Netcredit was included. The bankruptcy was discharged on XXXX/XXXX/2016. I have received multiple calls from them and XXXX emails this week. I called and was told they do not have my bankruptcy info. ( They have not contacted me since the original notification in XXXX ). I gave them the info and was told they would " look into it '' but that collection activity will continue. I was told by XXXX of the callers that they were not under any obligation to " honor '' the request from the court and that I needed to pay this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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
Product: Debt collection

When the auto accident happen, I provide them with all the insurance information. I had commercial and XXXX at the time of the incident. I spoke with XXXX and they said for the provider to re bill the services and they never did. Now years later they want to send me to collections when its passed the 5 year limitation and federal law says that as a XXXX recipient I am not the pay or of last resort. They are. I do t know why I am even in collections and they are missing up my credit with the negative remarks. XXXX  dispute system doesnt work. They didnt even attempt to read my dispute or look up the laws I am telling them about.