23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I have had nothing but trouble with the XXXX XXXX XXXX, coit office for dealing with my mother 's accounts and my power of attorney for her. 
MY mother is XXXX and living in assisted living with XXXX. 
MY latest complaint about this branch and especially XXXX XXXX, Asst Mgr has to do with the following. issue. 
As background, this branch has adamantly refused to assist me with basic simple issues regarding my mother 's account. I had to fly to Washington State where another Chase branch approved putting me on the Charge Card as POA, and putting me on as a co-owner of the checking and savings accounts. All I have been trying to do is put my mother 's approx XXXX pts into about $ XXXX cash and put it in her checking account. I was told by XXXX XXXX that his branch could not help me. Do I have to fly to Wash St to get this accomplished? If the XXXX XXXX XXXX does n't want my or my mother 's business and I 'll take it next door to Chase. 
How can my sister put moneys into my mother 's account if she is not on the checking or savings account. I have POA, previously approved and the Bank has multiple copies of it authorizing me full access to my mother 's finances and now, this branch, specifically XXXX XXXX again refuses to assist me.
Product: Debt collection

I had an XXXX  XXXX on XX/XX/XXXX at XXXX XXXX XXXXXXXX and paid {$1700.00} out of pocket and my insurance paid {$930.00}, leaving a balance of just {$0.00} on attached follow up bill dated XX/XX/XXXX. I have several follow up visits from XXXX till I moved out of the state on XX/XX/XXXX and at no time did I receive any additional bill. I received a debt collection letter from Harris & Harris , Ltd dated XX/XX/XXXX stating that I owe {$100.00} to The Trustees of XXXX University in the XXXX XXXX XXXX XXXX. I'm disputing this debt as it violates the surprise medical bill Act because it is an unexpected bill from an out-of-network provider or at an out-of-network facility.
Product: Credit reporting or other personal consumer reports

The following information should be investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The listed inquiry was without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within 15 days of the completion of your investigation. 

Sincerely,
Product: Debt collection

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Wells Fargo has placed a hold on my Savings Account XXXX with a balance of {$30000.00} as of XXXX XXXX, 2015 and has not provided any reason except to say they are investigating a " suspicious transaction. " I have been a loyal Wells Fargo customer for over twenty years and am very frustrated because my money has been withheld from me unfairly and there has been no communication from Wells Fargo. I have called several times, visited my local bank center, and now have paid my lawyer to write the bank a letter asking the money to be released and communicate with me as to what is going on. The Bank letter gave them a deadline of XXXX XXXX, 2015 for a response and as of today XXXX XXXX, 2015, we have heard nothing from the bank nor has my money been released back to me. Please help me get Wells Fargo to provide a reason and return my money.
Product: Credit reporting or other personal consumer reports

The date they have this item reported as charged-off doesnt match my records. I requested that they verify the information and remove any inaccurate information from my credit report as quickly as possible. They simply responded and said the information was accurate and didn't provide any proof.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX  emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Money transfer, virtual currency, or money service

My complaint is against PayPal XX/XX/year> ( Transaction Date ) I made an online purchase using PayPal as a payment processor. The purchase was made under PayPal 's buyer protection program ( Goods & Services ). This program offers to protect the consumer 's money but unfortunately, the seller provided a fake tracking number to PayPal and I got scammed.

I put in a dispute & claim to PayPal for a refund but it was denied as tracking number shows package as " delivered ''. After talking to PayPal several times and confirming with them that the tracking is invalid, PayPal still denied both of my appeals. The tracking number is a XXXX XXXX XXXX tracking number, I'm here in XXXX XXXX XXXX yet PayPal does not want to refund my money. 

***The tracking number is invalid in both XXXX XXXX XXXX website as well as United States Postal website*** It is now clear to me that PayPal does not want to cover the transaction that I purchased buyer protection for and at the same time allowing scammers to get away and continue with scamming.

Screenshots of the transaction and all evidence of fake tracking will be provided in the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of abused due to discrepancies on my credit report with Capital One Credit card services, I legally paid this account in full XX/XX/2018 and it is reporting on XXXX Credit Bureau as a charged off. This account has been deleted from XXXX  and XXXX  credit BUreaus, I do not know why it has not been removed from XXXX  I have been dealing with this issue almost a year and 2 months no response I totally disagree. My crdit I have exceptional payment history on all my credit reporting accounts. This Capital ONe Credit Card Services is potentially affecting my small business I have not been able to get approved for a business loan because of this issue. I want to consumer credit report law states that a Fiancial Institution may have discrepancies reporting diferent information to credit bureaus. I demand for this Capital ONe credit card account to be removed and deleted from XXXX  Credit BUreau like it is removed and deleted from XXXX  and XXXX, as a US citizen1 year. i have the right to file a complain for this discrepancy that as i wrote it it has been affecting my score and credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

An account is showing on my credit report from Synchrony XXXX XXXX that has been verified by Synchrony that this account is not mines. I disputed the accuracy of this account with XXXX, XXXX and XXXX. Immediately the account was removed from XXXX and XXXX, but XXXX just replied that the account was verified and would remain on my report. I called XXXX to try and explain that this could not be the case because Synchrony has verified I have never had an account with them. The XXXX representative just stated it would stay on my credit file because it had been verified.
Product: Debt collection

XX/XX/2022 {$1000.00} XXXX sent a dispute letter and there's no validation of signature saying I have this debt or any type of validation that I stated to release any medical information They violated my HIPPA and my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A 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 PURPOSE
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry made is not an inquiry made by me. Please have inquiry moved from credit reporting XXXX XXXX  - inquiry date : XX/XX/XXXX XXXX XXXX- inquiry date : XX/XX/XXXX XXXX XXXX - inquiry date XX/XX/XXXX XXXX- inquiry Date XX/XX/XXXX Transuion please remove inquiries from credit report. I sent over a letter and still nothing has been done
Product: Checking or savings account

Ive been a chase costumer for 4 yrs now. Never have an issue. On XX/XX/22 I received a check from school. I did an online deposit. Received a msg that check is been processing. On XX/XX/22, I check the acct and funds were available. I try to sent a pymt and the act didnt work. I thought it was a technical issue. My surprise came when received a msg that tell me that my acct was on hold and gon na be close for missing documentation. I call the bank. They told it was a problem with check verification. That if I received notice that a check will be mail to me. I didnt have it with me at the time. Later I found all the info from the school and I call back. They verified that the check was sent to me. The representative told me ok XXXX gon na email to lift the restrictions. I was on hold for about 40 min and she reach back to me and told me that some office did a second review and decided to close my acct. I ask to call that office and she told me that what she could do is transfer me to her supervisor. The supervisor, name XXXX, told me the same as the other representative. And that I sign the agreement that they could close my acct without any notice. I told her that I want an explanation. And her reply was you do not understand anything? You sign for this. I said, I want to speak with whoever made that decision and she replied that those people never answer to no one. No even them. I was in the phone for an hour without a good response, who made her think that I would mind to wait 3or 4 hours to get a response. Now I have to wait 2 weeks for them to mail me a check with my founds. Meanwhile my bills will be unpaid. I dont care to have a checking acct with them anymore, but I think I deserved an explanation.
Product: Credit reporting or other personal consumer reports

I am asking for removal of negative accounts that are connected to a unauthorized fraud address that is on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX, i listed this address as fraud every account connect to this address should be removed and including debt collector companies XXXX XXXX XXXX, and the company XXXXXXXX XXXX XXXXXXXX, all of these claim are part of fraud transactions on my credit report please remove immediately thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identify theft, which resulted to someone opened an auto with the lender Prestige financial for {$25000.00} using my personal information such social security and legal name. I have been in contact with XXXX credit bureau for more than 60 days of the on-going claim of fraud, after countless of legal documents and requested information they still failed to see the evidence on my file number # XXXX. I have attached documents for proof of this claim for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, the Ultamate rewards/Comenity Bank Account ending in # XXXX Ulta has violated my rights. 

15 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A 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 card

Hello there, This is regarding my Capital One Spark Credit Card. 

They charged Annual membership fee of {$95.00} in XX/XX/year>. I have called today to cancel it and asked for a refund of the membership fee. They refused to do so. 

I am not satisfied with their response to this. It is unfair to charge the customers for services they are not using. 

Please help me here. My account number is XXXX. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a formal dispute letter to Experian via USPS certified mail tracking # XXXX to address inaccurate items on my credit report. Along with this letter, I provided comprehensive documentation to verify my identity, including a copy of my photo ID, Social Security card, and a recent utility bill with my current address. 
In my dispute, I explicitly requested specific information regarding the verification process : -Details on how the disputed item was verified. 
-The date when Experian contacted the creditor and furnisher. 
-Contact information for the creditor and furnisher. 
-The name of the individual who verified the item. 
-The method of communication used to verify the disputed information ( e.g., phone, email, mail ). 
-Confirmation on whether the creditor and furnisher provided any sensitive personal information, such as my Social Security Number, address, and date of birth during the verification process. 
I received an email from Experian on XX/XX/XXXX with the following statement : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' This response is completely unacceptable and appears to be a blatant violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). The FCRA clearly requires Experian to conduct a reasonable reinvestigation of any disputed items in a consumers file. There is no ambiguity in this requirement ; Experian 's refusal to investigate my dispute, despite receiving sufficient verification documents and a clear request, represents a failure to meet its statutory obligation. 
I am including a copy of my dispute letter sent to Experian along with Experians response as proof.
Product: Mortgage

We were offered a trial modification in XX/XX/XXXXof which we accepted. The trial payments as stated in the offer requested three ( 3 ) payments, but we received a letter to continue making the payments until we received the final modification documents. 
We made five ( 5 ) payments of {$2600.00}. 
XX/XX/XXXX - Debit - Transaction-XXXX XXXX, XXXX - Debit - Transaction XXXX XX/XX/XXXX - Debit - Transaction - XXXX XX/XX/XXXX Pmt Made with Representative - Comf . XXXX XX/XX/XXXX Pmt Made qith representative - Comf. XXXX As of XX/XX/XXXX There was a suspense amount on the account of {$42000.00}. 
XXXX XXXX we called to make the XX/XX/XXXX payment, we could not make any payment. 
Why? we asked but we were told that they were waiting because the modification was complete, and there was in fact a suspense amount ( {$42000.00} ) on the account that would be applied for XX/XX/XXXX payment. 
We waited all of XX/XX/XXXX, we did not receive any documents as promised. We kept in touch to make sure we were getting the modification and they assured us it was complete. Finally on XX/XX/XXXX, we received the modification documents with a request to return them by XX/XX/XXXX. 
According to the Modification documents, Our first mortgage payment was due on XX/XX/XXXX, however we received a Notice of Default on our Mortgage before we received the executed Modification Agreement, from that point on we have to fight to make the payments. We had to call in to make the payments and get a supervisor to ok the payment. We mailed in some of the payments. 
Then starting XX/XX/XXXX received a default statement showing that we owed {$12000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$3100.00} XX/XX/XXXX {$3100.00} XXXX XXXX {$3100.00} According to the Modification Agreement our payment was {$2600.00}, when did the payment change? 
The second statement for XX/XX/XXXX came stating that we owed {$8900.00} showing payments of : XX/XX/XXXX - {$2500.00} XX/XX/XXXX - {$3100.00} XX/XX/XXXX - {$2600.00} With a suspense amount of {$610.00} We have tried, over and over again, each representative we have spoken to has advised us to have the situation investigated, they could not see any reason why the account has so many changes in the amount of the payments. 
There is noting in the modification agreement that shows the payments will change each month. 
We received another statement XX/XX/XXXX XX/XX/XXXX - payment {$3000.00} XX/XX/XXXX - payment {$2600.00} List of all payment from bank receipts will follow by fax. 
Thank You
Product: Checking or savings account

I need urgent help in this situation. As my Chase Bank account has been closed today XX/XX/2020, due to suspicious activities. I recently moved to XXXX to work in XXXX in XXXX from XXXX. During the 9 weeks it took to receive my benefits from the XXXX, I also applied for unemployment through XXXX XXXX, Since I worked in the city of XXXX at the XXXX XXXX for over a year. I did this thinking that I would not be eligible for XXXX benefits since I only recently moved to XXXX and worked in XXXX at the XXXX XXXX XXXX XXXX for 3 weeks. I ended up getting approved for XXXX   benefits as well and received funds from them. Since Ive never had to apply for these benefits and not knowing how the system works I thought I was getting XXXX from the XXXX and unemployed benefits from The XXXX ; Since I was approved for both. I didnt receive any documents, emails or phone calls stating otherwise. I have currently been in contact with Representative XXXX XXXX office in the state of XXXX about this issue. They stated that I was incorrectly approved for Benefits in the state of XXXX We have sent an email to correct the situation and return the funds I received which amounted to {$5800.00} back to the XXXX. I believe Chase bank suspected this was fraud and closed my accounts. Chase will not disclose any information with me at all. Ive also informed and been in contact with Assembly member XXXX XXXX office about the current situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. This is my second attempt to contact you about several fraudulent accounts that you are reporting on my credit file. I would like to dispute the following accounts as an internal dispute and an affidavit. I am unaware of the accoutns. I was affected by the credit breach and my name was leaked. I have never filed for any bankruptcy and I am unaware as to why it is listed on my credit file. I dont know if you got the wrong person but I am sorry to say Ive never dealt with any bankruptcy. The last time I applied for any credit was in early XX/XX/XXXX. I havent really checked my credit for years since then. The inquiry items are XXXX XX/XX/XXXX 2. XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XXXX 4. XXXX XX/XX/XXXX 5. XXXX   XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX  9. XXXX  XX/XX/XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX   13. XXXX XXXX 14. XXXX XXXX XXXX  15. XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX 3. XXXX 4. XXXX  XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX sent an email to me today that they have raised my credit limit, but still have not credited the fraudulent charges from XX/XX/2022 forward. I don't want more credit with them. I want the fraudulent charges from XXXX XXXX reversed, the doubled internal charges manipulated credited, and when that is completed, I will end my business with XXXX. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 604 A 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-ended consumer credit plan as late for any purpose.
Product: Mortgage

I refinanced my mortgage that I had with Select Portfolio Servicing in XX/XX/2020 with another lender. The account was paid off in full on XX/XX/2020. Select Portfolio Servicing owes me a check for the remainder of my escrow account in the amount of {$1700.00} which as of XX/XX/2020 I have not received. 
I have called them three times ; once in XXXX and again on XX/XX/XXXX. I was told on both occasions that the check had been mailed. 
The last date they said the check was mailed was XX/XX/2020. It is now XX/XX/XXXX and I have not received my check. 
I called XX/XX/XXXX and have not received a satisfactory response. 
I would like to file a formal complaint against Select Portfolio Servicing