23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

OCC # XXXX PUBLISHED XX/XX/2016 For the first time from complaints XXXX chase my servicer refer to the XXXX XXXX deal as a mortgage trust, XXXX XXXX XXXX. 

IN XXXX WHEN XXXX XXXX XXXX MORTGAGE WERE INVOLVED BY XXXX XXXX OF XXXX XXXX. 

DID YOU CONDUCT SOME SORT OF LOAN TRUST AT XXXX XXXX XXXX XXXX, MICHIGAN XXXX?
Product: Money transfer, virtual currency, or money service

i transmitted {$370.00} by international wire transfer to a recipient in XXXX using my Bank of America account on XX/XX/XXXX. 

Bank of America is insisting that i provide passport and other information of the recipient. Upon receiving this request, i informed Bank of America to cancel the wire request and return the funds to me. 

Bank of America continues to insist that i provide the above, which i cant do since i can not force the recipient to provide. 

I have asked Bank of America and they have informed me that they will charge me {$35.00} for the transfer and hold my funds indefinitely. 

I have asked Bank of America to explain why they are doing this to me, but with 5 people from BoA on the email thread, nobody has offered any explaination why they are acting this way. There is no reason to dispute the source of funds, since it was from my employer through regular payroll. 

i feel intimidated and threatened by Bank of America. as a small consumer, i have no recourse against BoA and need help from CFPB to resolve this matter.
Product: Credit card or prepaid card

I'm an American Express Serve cardholder. I receive weekly direct deposits to this card in the amount of {$72.00} with the most recent being due to post tomorrow in XX/XX/2020. I also just filed my income tax return and it's directed to go to that card as well, any day now. I've been trying to call this company for days now and have been on hold for XXXX hrs XX/XX/XXXX and XXXX today XX/XX/XXXX. I'm actually holding right now as I'm filing this complaint. I've tried calling the regular American Express, but they said they couldn't help me. They pretty much just went out of business and stole everyone 's money. Something has to be done, as us consumer 's don't know what to do. Please help me.
Product: Checking or savings account

I deposited {$5800.00} into my checking account with a check from a company that I had made recent deposits from and the teller didn't tell me there would be a hold for 7 days on the funds. They told me this 24 hours later on a Saturday when the XXXX involved was not in the office. They would not give me a reason why the funds were held and left me with no explanation and a 7 day wait for my money which will cost me a late fee on my mortgage, overdraft fees etc..
Product: Credit card or prepaid card

I need your help in order to get in touch with my bank and try to solve my problem. I would like my XXXX XXXX XXXX to please investigate a charge made by a company called XXXX XXXX. This company failed to provide the services that I paid them for. I paid them {$350.00} on XXXX/XXXX/XXXX. I already tried to dispute with my credit card companies but I do not appreciate the way they treated me and disregard my wishes stating that was past 60 days. I never got my services rendered and it is very hard to do anything in the first 60 days when the company you paid for the services is stringing you along. Thank you
Product: Mortgage

To whom it may concern, I have a mortgage loan with HSBC. The initial loan # was XXXX, the property address is XXXX XXXX XXXX, XXXX XXXX NY XXXX. The mailing address is the same XXXX XXXX XXXX, XXXX XXXX NY XXXX as the property address. 
HSBC changed the loan # to XXXX after XXXX XXXX and changed the mailing address to XXXX XXXX XXXX without my consent. 
The mailing address XXXX XXXX XXXX is not available now. I had lost lots of mails from HSBC including the XXXX forms, payment adjustment etc documents. So I called HSBC to change the mailing address to the property address XXXX where I am living in XXXX XXXX. However, HSBC refused to change the mailing address and continue to send all mails to the unavailable address XXXX XXXX. Therefore I filed complain to XXXX of NY XXXX in XXXX XXXX. In HSBC 's response letter to XXXX of NYS, it stated that the initial mailing address was XXXX so they can not change the mailing address no matter whether or not I received the mails. That is more ridiculous that I asked them to email me if they could not mail the XXXX forms or other letters to the property address. The response was NO! They said that they had to mail all letters statement to the existing mail address., no matter whether you could receive them. 
I am very angry and surprise for HSBC service and practice. Especially, recently, they gave me a number of harassment calls. They made the lies that this is a collect debt call because I owed the mortgage payment and I owed the mortgage payment to {$5500.00} etc. The fact is that I pay the mortgage {$2700.00} /month and never be later. I checked the bank payment recording that I paid the mortgage {$2700.00} for every month XXXX including XXXX, XXXX, XXXX, XXXX XXXX. How can I owe the payment to {$5500.00}. HSBC, obviously, cheated the client to make benefit. I require XXXX and CFPB ( Consumer Financial Protection Bureau ) to investigate HSBC. 
The issue raised here is that HSBC refuses to change the mailing address and keeps mailing all statements and corresponding letters to the address I could not receive them. Then they made the rumor and benefits for them. 
I require CFPB revoke the license of HSBC in XXXX XXXX because they are not capable to do business. It never happened to a bank that did not allow to change mailing address. Meanwhile I claim the lose of missed letters for {$100000.00} against HSBC because my personal information were exposed in miss letters. 
TrulyXXXX XXXX, the Owner of the Property
Product: Money transfer, virtual currency, or money service

in 2021 irs sent a direct deposit to wells fargo bank where it was deposited XXXX XXXX XXXX has never had an account with wells fargo before. the amount was XXXX .irs send to the bank for the return of the money because was not in my account now wells fargo refuse to give an answer about the return of such money been two years I have been back and forward through them both with the run around I am just lost with what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported this account to Experian showing them how they are reporting this account incorrectly. The last time I reported this account to Experian, on XX/XX/2020, they send me a result reporting this account was verified and that the information on it was updated and reported as correct, or accurate. 
How can it be possible this account is ACCURATE when this account is reported as 70 charge offs?? 
I have also contacted XXXX XXXX and they havent responded to me at all. How can they keep reporting this account without providing me ANY proof of this account? And then to report this one account as 70 CHARGE OFFS! 
Surely this has to be against some kind of regulation? They are continuing destroying my credit by reporting this account wrong, but it almost seems like theyre doing it on purpose to damage my credit more? 
I have attached Experian 's response.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft Where they open multiple accounts in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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: Mortgage

Have not received XXXX for closed loan ending XXXX. Contacted CMG through the portal on XX/XX/2022 requesting document status. Received reply on XX/XX/2022 that the document center was not available and XXXX had been mailed. 

Sent second inquiry on XX/XX/2022. No response. 

This document is needed for tax filing and the respondent is required to send it if interest paid is over {$600.00}. Interest paid on loan ending XXXX was over {$600.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX Experian XXXX  XXXX Experian XXXX  XXXX  # XXXX XXXX XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reason : These Inquiry 's Have No Permission Purpose To Be On My Report, Delete These Inquiry 's Immediately Pusuant 15 U.S.C. 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX Account Number : XXXX Balance : {$9400.00} Late payment dates : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$87.00} Late payment dates : XX/XX/XXXX and XX/XX/XXXX I do not recall being late in those months. I remember receiving my statements late for the XXXX account.
Product: Mortgage

Can someone please address the below ongoing issue? I still have n't received a response on the OVERDUE PAYMENTS that keep appearing on my statements. 




1. Why do I have an overdue payment amount of {$59.00} reflecting on my XXXX XXXX, 2015 and XXXX XXXX statements? I am still not clear on how I can have an overdue payment when payments have been coming from Keep Your Home California under Hardest Hit Program. These Overdue Payments have appeared monthly on my statements under Explanation of Amount Due since I have been on the Hardest Hit Program. Please advise why and what these are for?
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 Account # XXXX has violated my rights. XXXX XXXX XXXX  Account # XXXX has violated my rights. XXXX XXXX XXXXXXXX XXXX Account # XXXX has violated my right. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX Account # 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 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: Debt collection

I disputed this once and received a response from XXXX XXXX  stating this was to be removed from my credit entirely. After MULTIPLE attempts to fix this with Transunion and XXXX, I have gotten no where with them to remove the tradeline entirely. See attached documentation - XXXX XXXX  responded to my complaint to remove it and I have the letter from XXXX XXXX stating this is to be removed completely. Transunion and XXXX  have not removed this tradeline and absolutely will not accept or help me with the provided documentation. This was not my debt. This never should have been on my credit.
Product: Credit reporting or other personal consumer reports

I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine. Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Product: Credit card or prepaid card

Good evening, I opened an American Express card in XXXX of 2021. I am XXXX XXXX and I was told by American Express that since I am XXXX XXXX that I would not be charged the annual fee of {$450.00}. This is only reason that I went with this card is because the representative told me the yearly fee would be waved. 

Since XXXX of 2021 I have been working with Amex to resolve this issue, with no forward movement. I have been told " yes we do waive the fee for XXXX XXXX folks, we just need some documentation and that this will all be sorted ''. I have uploaded Statements of Service and even pay stubs showing that I am XXXX XXXX. Then I always get a letter in the mail saying that my request has been denied. So then I call again and start the whole process again. I am told " that this is a mistake and we will get this refunded to you, your XXXX XXXX service is important to Amex '' ... the refund has never happened. 

While trying to resolve this with Amex I have been charged 2 annual fees and wasted so many hours. I can not tell you how dissapointed I am. I feel like the victim of a bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 instructions
Product: Debt collection

the amount reflecting on CRA Experian is reflecting as owed still even when I paid it. Created a dispute and they came back with it. Verified and updated with the incorrect amount. Please remove from report due to deliberate falsification per FCRA
Product: Mortgage

On XX/XX/XXXX I made an additional principal payment towards the principal of our mortgage. I sent the coupon from the bottom of the statement and wrote in the amount of {$13000.00} which was to be put towards the principal only. When I reviewed my account on XX/XX/XXXX I noticed that they had put around {$8000.00} directly towards principal and applied the remaining {$5000.00} to interest, escrow and " fees. '' I contacted them via email on XX/XX/XXXX to explain that this payment was for additional principal only. As of today, I have not received an email explaining why this payment was incorrectly processed. On XX/XX/XXXX I made a principal payment of {$30000.00} and that payment was posted exactly as it should be. I have never been late and pay extra on principal nearly every month. I want this reversed and the entire {$13000.00} applied directly to principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Put hard credit inquiry on my credit I don't recognize or authorize on XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Comenity Bank ( Victoria 's Secret credit card ) sent me a refund check in XX/XX/2021 for {$93.00} which was made out to XXXX XXXX. I didnt notice that my maiden name was on the check, and I tried to deposit it on my mobile device ( mobile deposit ) into my XXXX XXXX account. The check was returned and couldnt be deposited because of the name, and I was charged a {$5.00} fee by my bank for the return of the check. 
After that happened, I contacted Comenity to change my name on my account to XXXX XXXX, my married name. Comenity issued me another check for {$93.00}, and I successfully deposited it. I then noticed that Comenity put that {$93.00} amount back on my account that I owed back to them, saying I deposited two checks. The only way I could correspond about the matter was to mail them documentation, which I did, twice, trying to explain to them that I only successfully deposited one check. They kept sending me back letters saying they needed more proof. One night I got my bank XXXX on the phone and called Comenity customer service to settle the issue. We got a manager from Comenity on the phone, and after over an hour we confirmed that I needed to send them proof that the first deposit didn't go through on XXXX letterhead of some sort. Comenity said I could send this information to them electronically on their messaging system online. I've tried twice to do this but it always fails and says the message can't be sent. So the only way to correspond was to send a letter to a po box they provided on the bottom of their letters which first stated XXXX XXXX XXXX XXXX, Ohio XXXX. The last two letters I've received from them have a different XXXX XXXX XXXX, now XXXX XXXX XXXX. The last letter they sent me says they never received my documentation! 
When I call customer service their hours are inconvenient for me as they're on Eastern time and I'm on Pacific, and by the time I get home from work at XXXX, they are closed. Each interaction with them over the phone takes an hour because they have issued me no case number, so every time I call about the issue I have to explain it to somebody new. It's beyond frustrating and I just want the {$93.00} back that they owe me, plus a late fee of {$29.00} that I was charged for not paying my bill in full when I was in the " investigation process '' ( which I was told I would not be charged by a customer service rep ), and also I was charged a transaction fee of {$3.00} because of that bill. 
All I want to do is get my money back and then close my account because issues like this shouldn't take 7 months to be handled. Thank you, XXXX XXXX XXXX : I had to remove my savings account information for confidentiality but I've forwarded them all these documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX stated to your agency ( CFPB ) under case # XXXX that they have resolved the issue. 

To date, no action has been taken and the credit bureaus have not received any notification. I verified this information with Experian, which still has the disputed information on file and stated that they have not received any updates. 

Please resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$23.00} ; XXXX XXXXXXXX XXXX Balance : {$14000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized hard inquiries listed on my credit report. These inquiries were neither authorized by me nor initiated with my consent, and their presence on my credit report is inaccurate and harmful.
Product: Credit reporting or other personal consumer reports

I am formally demanding for the LAST time that the proper update be made to this account on ALL consumer reporting agencies as PAID IN FULL AND NEVER LATE. XXXX XXXX XXXX XXXX XXXX is insured by the XXXX XXXX XXXX XXXX ( XXXX ) and ALL accounts are backed up to {$250000.00}. Furthermore, this account is listed as a CHARGE OFF which is a certificate of indebtedness and is actually considered an INCOME per IRS publication XXXX XXXX XXXXIRS website : Canceled debt. If the abandoned property secures a debt for which you are personally liable and the debt is canceled, you will realize ordinary income equal to the canceled debt. This income is separate from any amount realized from abandonment of the property. You must report this income on your return unless one of the exceptions or exclusions described in XXXX XXXX  applies. **** During dispute of this debt, I was not given proper validation even after contacting the furnisher on multiple attempts. My consumer reports NEVER showed the account was in dispute or removed within the proper time frame, even after all documentation was sent to proper parties. 

Violations listed under the FDCPA and FCRA : 15 U.S. Code 1681c-2 ( a ) 15 U.S. Code 1681c-2 ( b ) 15 U.S. Code 1681e ( b ) 15 U.S. Code 1692e ( 2 ) ( A ) 15 U.S. Code 1692j ( a ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692b ( 2 ) 15 U.S. Code 1666d ( c ) 15 U.S. Code 1681 ( h ) ( d ) 15 U.S. Code 1681m ( a ) ( 4 ) ( b ) 15 U.S. Code 1681m ( b ) ( ( 2 ) ( c ) ( ii ) 15 U.S. Code 1681m ( d ) ( 1 ) ( d ) 15 U.S. Code 1681m ( d ) ( 4 ) 15 U.S. Code 1681m ( e ) ( 1 ) 15 U.S. Code 1681m ( e ) ( 2 ) ( b ) 15 U.S. Code 1681m ( e ) ( 4 ) ( ii ) 15 U.S. Code 1681m ( f ) ( 1 ) 15 U.S. Code 1692g If the matter is not solved within 5 business days I will be filing arbitration/small claims court for all parties involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two charges that are identity theft are appearing over and over on my credit report. Ive disputed but they keep letting these scammers ruin my credit. There is a charge from a XXXX and a charge from XXXX XXXX that do not belong to me. Ive called the company and they keep telling me that they dont know how it happened. You can check my dmv history. I have not had a car from these people and they agree to get rid of charge but then it appears again a month later. This is causing my credit to severely fall by false late payments and Im not able to secure any of the financing I was applying for. This has cost me lost wages and loss of procurement on housing and business loans. So its taking my time and time is the most valuable thing in life