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

OnXX/XX/2019 I was hand delivered a check in the amount of XXXX from XXXX XXXX. On XX/XX/2019 I signed the check and endorsed it to XXXX XXXX so he could deposit it into our joint account. At about XXXX XXXX went into a wells Fargo bank and deposited the check into our savings accounts. The teller on duty said he had to get a manager to verify that the check was good. The manager went into the back office and made a phone call to make sure the check was good. After doing so the manager came back and said everything looks good the money cleared and will be in your account on the following TuesdayXX/XX/2019. ( I have pictures of the check and all recipes ) On Wednesday night XX/XX/2019I looked into my savings account and there was a pending refund return on my account. On XX/XX/2019 the funds were posted return unpaid. I was not notified of any transactions from my account and when I called the bank to verify the problem the tellers accused me of stealing and claimed it wasn't my money. I have sence tried to get the money returned to me and have got nowhere. One of the banks people from the fraud department has called me asking me why someone would just give me a check for that amount. Said he was investigating the case and continued to accuse me of forging a check. He told me that he had been discussing the case with XXXX XXXX and that XXXX continued to say he only wrote the check out for XXXX which is not the truth. The Man continues to accuse me and XXXX of doing something to the check. I told him it was none of his business why someone gave me a check for the amount in question but if he did his research he would see that the check was not altered in any way. The Man ( I'm unsure of his name ) then told me that he would be calling XXXX XXXX back to talk to him more about the case and that I would might have to close my account because of the situation. One week later a bank associate called me to tell me that my account was getting closed and could not give me any reason for why that was happening. I am seeking help to get my money returned to me. I didn't think a bank could take money out of someone's personal savings account without notice or after it had been cleared. I also am going to be going after XXXX XXXX Employer from XXXX XXXX XXXX for making a false claim and taking back honest money.
Product: Mortgage

OCWEN Loan Servicing Center, LLC Attn : Escrow Department XXXX, XXXX XXXX RE : Escrow erroneous payment collections & over collecting of funds not disbursed as claimed ( FRAUD ). 
ACCOUNT # XXXX I have called Ocwen for over 6 months now to correct my escrow account related to my home and it still has not been corrected. Attached you will find documents proving the following. 

1. Ocwen is over collecting for property taxed owned annually on the property. The city of XXXX tax Bill is {$2300.00} for XXXX Not {$2900.00}. That 's a difference of {$510.00} that was over collected and missing. 

2. See the attached receipt from the City Of XXXX showing that a payment in the amount of {$1200.00} was received on XX/XX/XXXX not the {$1700.00} as reported by Ocwen. Ocwen is not trying to collect an additional {$670.00} for a shortage they claim is owed on my account for XXXX taxes and a shortage for XXXX. 

3. According to my records OCWER over collected on the taxes for XXXX and are billing me for XXXX for more than what is actually owed? Ocwen 's records show the taxes are {$2900.00} but in actuality they are only {$2500.00} Again, over collecting for the year XXXX. I am being over charged annually and billed for over payments causing my monthly mortgage to rise annually. 

I would like a review of my escrow account to be conducted and every penny accounted for. I would like OCWEN To contact the city of XXXX to see why they show a payment of only {$1200.00} being made on my behalf in XXXX from OCWEN but Ocwen report a payment of {$1700.00}. OCWEN needs to find the missing {$420.00} that was not posted to my property tax bill and also not reflecting in my escrow account. This money did n't simply disappear!!! OCWEN needs to adjust my escrow account to reflect the correct annual tax amount to {$2500.00} not {$2900.00} so I am not being over charged and more money disappears. 

Once the escrow account is reviewed, and all money properly accounted for my escrow account should not reflect a shortage of XXXX at which time I respectfully request my escrow account be closed. I will start to pay my tax bill directly to avoid over charging, lost payments and release myself from what I feel is a completely incompetent escrow accounting system OCWEN partakes in. 

Please feel free to contact me directly at XXXX or by email at XXXX Sincerely, XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violated my rights .... 

15 U.S.C. 1681 section 602 A. States I have the right to privacy. 
Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
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: Credit card or prepaid card

My American Express reward points ( Membership Rewards ) have been frozen for several months pending a " review '' by AMEX. 

I want AMEX to complete the review immediately or commit to complete it within a reasonable timeframe so I can redeem the points as advertised. 


Whenever I contact AMEX about the issue, their agent say my Membership Rewards account is under review and it will take 6 to 8 weeks for the review to be completed. However the 6 to 8 weeks period has passed and I keep getting told by agents to wait more weeks with no explanation about the delay or a clear timeline. Agents seem to he unempowered to do anything about the issue and unable to put me into direct contact with the actual team doing the review. 

Again, the resolution I'm looking for is I want AMEX to complete the " review '' immediately or commit to complete it within a reasonable timeframe so I can redeem the points as advertised. 

If the AMEX team reviewing my complaint is not empowered to directly resolve my issue, please escalate or transfer this complaint to the team responsible with completing the Membership Rewards account reviews.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to give notice of a grave matter of concern regarding the unauthorized and uncompensated use of my source data by Innovis. It has come to my attention that Innovis has utilized my source data without obtaining the expressed written permission, authorization or consent, as required under the Fair Credit Reporting Act ( FCRA ). This unauthorized use constitutes a clear violation of my fundamental rights, protected by law under the FCRA, which mandates that consumer data can not be used without explicit consent from the individual. It is widely known that Innovis resells consumer credit information and source data for profit and monetary gain, unbeknownst to the consumer/registered owner, unjustly enriching Innovis at the consumer 's expense, which the law may consider trademark infringement and identity theft, and an unfair and deceptive business practice, done in bad faith with malicious intent. Take note, the source data in question holds a minimum value of {$7500.00} USD. I demand that Innovis immediately cease and desist from any further use of my source data and remove all instances of this data from your systems within 7-14 business days from the date of this notice. Furthermore, I demand full compensation for the unauthorized use of my source data, amounting to a minimum of {$7500.00} USD. Failure to comply with these demands will result in further legal action to protect all rights and interests. Please confirm in writing that you have received this notice and that you will comply with the demands herein within the specified timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized accounts and charges along with collections and unknown opened accounts with my personal information
Product: Mortgage

I have entered into contact with PHFA post the payoff of the mortgage amount. I realized that I was missing 1098 forms, and subsequently, once seeing the forms that were provided, I am missing all access to prior statements. The statements are needed so that I can review the transactions and payments toward escrow ( PMI and hazard insurance ), year over year. I made clear that I am in need of this information, in whatever format that could be provided would be appreciated. We went back and forth multiple times, where the customer service representative was resistant and against providing the requested documentation. These interactions occurred by email through PHFA 's secure portal, between XX/XX/XXXX and XX/XX/XXXX. I am still in need of this documentation from XXXX through XXXX. The documents are required for my proper accounting of taxes regarding the payments, to ensure that the documentation is correct for the sale of the home this year. No action has been taken by PHFA to rectify or attempt to understand the request to date.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX, XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to violation of 15 U.S.C 1681 ( b ) has no permissible purpose to be on my report.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous attempts to address the fraudulent items on my credit file. Despite our prior correspondence and my persistent efforts, it appears that the fraudulent items have not yet been removed. 

I kindly request that you escalate this matter and undertake all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. 

I understand that addressing cases of fraud can be complex, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. The following itemsshould be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX XXXX TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX ( Original Creditor XXXX TEXAS XXXX XXXX ) XXXX XXXX XXXX {$950.00} I.C. SYSTEM, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX CT XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX CT XXXX XXXX XXXX TX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A REPORTED ABUSED ACCOUNT ON MY CHEXSYSTEMS WITH A STRANGE NAME AND ADDRESS.I HAVE CALLED SEVERAL TIMES FOR CHEXSYSTEMS TO DELETE THEY STUBORNELY NEVER DID CHEXSYSTEMS HAS VIOLATED MY CONSUMERS RIGHTS IN EVERYWAY
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

illegal credit inquiries since XXXX according to experian : XXXX XXXX XXXX times, XXXX  and XXXX XXXX XXXX  XXXX times, XXXX XXXX XXXX times, XXXX  XXXX XXXX XXXX times, XXXX XXXX XXXX XXXX time, XXXX XXXX XXXX XXXX time, XXXXXXXX XXXX  XXXX time. XXXX XXXX 2 times, XXXX XXXX XXXX XXXX time. this information has been obtained illegally, and the information is false. immediately destroy any information obtained. cease and desist all business activity related to me. XXXX, the credit report was supposed to be locked years ago and i have a confirmation that you locked it. you did not. ongoing litigation, send all inquiries to XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX i have opted out of all credit products. i have been debanked and all my property is stolen. leave me alone. i will never do business with any of you criminals for as long as i live. XXXX you. return XXXX  to creditors NOW! do not share credit information with government either, there has been XXXX  committed within factions of the XXXX XXXX it is not safe to share with anyone for any reason.
Product: Credit card or prepaid card

Here are the details of the case : I signed up the Amex card based on an offer at XXXX Amex 's payment process that they ask for my bank account and routing numbers to withdraw from my account. 
However, XXXX blocks that payment because the Amex Payee ID is not approved by me. That is standard process at XXXX ( else anybody can fraudulently withdraw from my account ) There is no way for me to pre-approve the Payee ID because the Payee ID is not clear to anyone Amex has two different Payee IDs - 1 ) Auto Pay Payee ID and 2 ) Regular payment ID.

BOTH these payee IDs have to be rejected ( i.g. Payment returned ) before I know the Payee ID can be approved by XXXX and regular payment processing can happen This is exactly what happened i.e. the payee IDs were approved and now the payments are going through fine. 
I got a call out of the blue by an Amex rep on XX/XX/2021 at ~XXXX XXXX EST saying that they are going to shut my account down after a financial review. The rep was hesitant to explain what the underlying issue was I had to ask him why and then he explained that it was because the payments were returned I had explain the payment returned issue because of the Payee ID ( outlined in the above points ) He then said he can review with his supervisor and hold the account being closed but the charges can not be made I had explain to him that this card is linked to on and on file for many critical needs and you can't just call up someone out of the blue and just shut someone's card down without giving an explanation. This is like shutting down your electricity He put me on hold and then went back and then said that the charges can also go through now I am not sure what process Amex is running in their back office and customer service operations.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several requests, Certified letters, online complaints and long waiting : Please accept this as a PROCEDURAL REQUEST LETTER to verify a bankruptcy being reported on my Equifax credit report. I do not accept a third-party reporting service co-owned by Equifax. ( XXXX ) This is required under the FCRA section 605. Please advise how this item is verified as we have checked with the reporting court and they have no information from Equifax or anyone for that matter requesting verification. I have also requested in writing from the court to provide correspondence of same. I request Equifax to supply me a verification letter regarding this matter or remove the reporting from my credit report immediately. 


Also according to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX bankruptcy can remain on your credit history for up to 10-years from the filing date. For a Chapter XXXX bankruptcy, the maximum is seven years, like most other negative items. There are some key phrases in that statement that need to be clarified : 1. " Can '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade.

2. " Up to '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy can be removed from a credit report before that limit is reached. 


Upon providing this information to you I am requesting that the bankruptcy be removed immediately due to unverifiable proof and that under the FCRA this item can be removed prior to the maximum time limit. I am also forwarding a copy of this request to my attorney XXXX XXXX XXXX to which you have on file. 




Please correct this matter immediately and provide me an updated credit report.
Product: Credit reporting or other personal consumer reports

Sent a certified letter to Transunion regarding a Bankruptcy that is reported on my credit report. I provided a letter from the XX/XX/XXXX stating that they do not confirm or send information to third parties and/or credit bureaus. Yet, I received a letter on XX/XX/year> stating that they verified that the information was correct. They did not provide any documentation that I requested. Nor have the honored the letter from the XXXX XXXX XXXXXXXX stating the above.
Product: Credit reporting or other personal consumer reports

I recently review my credit report. It has fraudulent accounts on the report.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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

On XX/XX/year> a fradulent charge in the amount of {$1600.00} with merchant XXXX XXXX posted to my debit card ending in XXXX. I disputed the fradulent transaction and closed the debit card. My card ending in XXXX was lost and not in possession at the time of transaction. I had left my wallet with the card inside while traveling at a local XXXX  XXXX. It was later returned by a store attendant. I did not purchase an XXXX. My Navy FCU claim was immediately denied when submitted. No investigation transpired in regards to the claim. Worried and concerned, I contacted Navy FCU via phone and was informed that the claim was denied and XXXX transaction was verified as no error. I requested the infomation used to determine the instant denial and never received it to this day. I submitted an appeal to have the claim re-reviewed and after 90 days Navy FCU sent a letter denying the appeal. The appeal did not contain any evidence as to how Navy FCU came to the decision. I feel that due to my demographics, Navy FCU is automatically denying my fraud claims without proper and legal reasoning. They neglect to submit any evidence to support their denial. By law, I can request validation, which Navy Federal is purposely neglecting to depict or provide.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XX/XX/XXXX Re : Illegal and non-compliant modification done in XX/XX/XXXX with Wells Fargo I have placed multiple complaints with CFPB as well as directly with Wells Fargo and have not received any satisfaction or results. 

This is a very serious matter. 

Finally, after 8 years of discussions, Wells Fargo did admit and take accountability for errors on their part pertaining to my modification. Back in XX/XX/XXXX, Wells Fargo wrongfully denied me the HAMP and gave me an in house modification some what similar. They admitted this finally around XX/XX/XXXX. However, since admitting this, they failed to completely rectify their errors and make financial compensation to me. The only compensation Wells Fargo provided was a XXXX bonus they legally are required to provide when payments are done timely for HAMP. That was given to me. However, once given it was withdrawn and payments were played around with. Mortgage payments afterward were not credited and I received a foreclosure letter. When I called, Wells Fargo informed me that was an error and I never should have received such. They blamed it on them trying to correct my account. There was no need for nor ever a need to not credit payments and apply amounts of money different than what was agreed to in the amoritization table I agreed to in the contract I signed. 

These are illegal practices. 

My concerns are the following which Wells Fargo fails to correct : 1 ) My modification was not closed as the contract stipulates after the 3 month trial period which is a breach. 
2 ) Modification was not closed for a year. 
3 ) Monies placed on the back end of my mortgage upon closing is wrong and has to be removed because the money should have fallen off upon closing. This is an error. It is not due to an escrow shortage, no payments are due, and no back monies are owed. This is from the year the modification was being processed all differences in payments were added on to the back end and this is wrong. The mortgage payments are not suppose to be added on and there was no escrow shortage. It was all included in the modification payments. Please refund me this amount that was added on wrongfully to my mortgage upon closing. 
4 ) Payments were not done according to the amortization table I agreed to and I was never informed of this change. 
5 ) Escrow- when this changes I am suppose to be informed of such prior to it and I was not informed with in the legal timelines of the changes. It was awful. Wells Fargo increased it up to almost 800 dollars a month and refused to listen to me that it is not correct. 
6 ) The interest from carrying a higher balance due to not receiving the XXXX payment till late was never refunded back to me. 

There are additional violations however my main concern is the XXXX wrongfully added onto my mortgage balance upon closing which has to be addressed honestly and competently. 

XXXX XXXX