23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am the XXXX for my father 's estate. We provided that info along with his death certificate. XXXX still demanded to speak to my deceased father and requesting his signature. He passed in XXXX of 2021 We just need a pay off amount on his home which we have sold almost a month. 

I also have my lender trying to get this info from them as well and no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit file much because I aged out of foster care and didn't know how. I discovered XXXX aka XXXX XXXX XXXX XXXX on my credit report back in XXXX of 2021. I disputed with Experian, XXXX, and XXXX. I disputed it with XXXX aka XXXX XXXX,. I have disputed it several times with all respective parties. I don't know what they are using to verify this debt other than my information that was fraudulently used. I am not sure who used my information and I wouldn't even know how to find that out. I filed a police report back in XXXX of 2021 and have submit it to the before mentioned entities. I also filled out the forms from XXXX aka XXXX XXXX, and mailed them back. The issue is still not resolved. I have done everything that XXXX XXXX and the Fair Credit Reporting Act has recommended me to do. My actions have brought me to move forward with filing a complaint with XXXX XXXX, the Fair Credit Reporting Act and my attorney generals office. I want this matter resolved as soon as possible. I do not owe XXXX aka XXXX XXXX, any money.
Product: Debt collection

Recently, I have tried to resolve this credit issue with Credit Management and XXXX XXXX. The companies have placed a negative remark on my credit file outlining a balance of {$340.00}. I have resolved this issue in the past XXXX CFBP XXXX. I received a notice stating that the agencies do not have this debt but the negative remark was placed on my credit. Credit Management has contacted me by via cell phone from various numbers that when you try and contact them back the number no longer works.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are still reporting public records information to my credit reports that their public records vendor has CLEARLY removed. Please see enclosed notice from XXXX.
Product: Debt collection

I have spoken to both company credence resource management and att already. I do not know why they keep purchasing my identity that's theft. I have already did an identity theft claim per 15USC1681C-2. THROUGH THE FTC.GOV. I do not have to comply with this company policy about me giving my information to them using their identity theft packet that is not law and its my privacy according to the privacy act 1974, I have already stayed in honor by federal law by filing a identity theft report. Att has been removed from my credit report in XXXX and my information continues to get sold to these debt collectors which is fraud. This company has never tried to reach me by mail only by phone and when I informed them that this debt was not mines they continue to willfuly place this item onto my consumer report. On XX/XX/XXXX The company stated that it is not law that they have to contact me by written communication and that is false in fact they do according to 15USC 1692C ( A ) : without the prior or written consent of the consumer given directly to the debt collector or the express permission of a court or jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.By FEDERAL LAW. Credence resource management is suppose to conatct me by writing in which they have never. They are telling me I owe a debt which is illegal per 15 USC1692 B2, According to the privacy act of 1974 it is illegal to sell any of my information especially when XXXX has been deleted from my consumer report in XXXX. I do not know why they continue to harrass me when in fact att has been deleted in XXXX from my consumer report and I will not give my information to this company at all and there is no law stating that I have to. This is a 3rd party debt collector agency who I have no obligation to, at all and Att continues to willfuly and neglect to hand out my identity to these 3rd party debt collector agencies.I have never signed anything with this company and again XXXX has been removed from my consumer report in XXXX. Also on XX/XX/XXXX Credence resource management stated that If I do not fill out their company identity theft packet then they will not remove the item from my consumer report according to 18 usc 873 that is considered blackmail and they shall be imprisoned and fined under this title or both. Again blackmail and coercion is a crime per 29 cfr1630.12. Also stealing someone elses identity is also a crime per 18 USC 1028. All obligations belong to the united states according to 18 usc 8. I will not be filling out your packet so that you can steal more of my information and it is not a law for me to do so show me the law.
Product: Credit reporting or other personal consumer reports

The information has never been verified to be accurate, complete, timely, or validated. You must provide documented proof of compliance reporting standards and applicable consumer laws. The information is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately.
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 : XXXXXXXX XXXX/ dept OF ED : XXXXXXXX XXXX/ DEPT OF ED : 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: Credit reporting or other personal consumer reports

I have a lot of late payments, incorrect balance on all three credit bureaus XXXX XXXX and transUnion incorrect collection attempts
Product: Credit card or prepaid card

This is regarding my American Express business gold rewards credit card.
I met the spending requirement on XXXX 2017 ( {$5000.00} spending within 3 months for XXXX  membership rewards points - spent total of {$5400.00} ).
American Express is refused to award the points because it insists I called in to " cancel my membership rewards account, '' but I NEVER contacted AMEX regarding this account in any way. When I spoke to an AMEX membership reward representative about it, there was indeed no record or proof of this, so they said they will credit the account of the XXXX points in 8-12 weeks.
I contacted customer service mid-way just to check progress and a representative named XXXX told me it will definitely be credited. It has been 14 weeks and AMEX has n't credited my account.
I contacted AMEX again and was told the exact same story ( that it wo n't be credited because I cancelled my account ) and that they will try escalating the issue to have it investigated. But it was ALREADY investigated and I was ALREADY told that it WILL be credited ( twice! once by membership reward rep via phone and once by the customer service rep via the chat function ).
I am sick of having to go back and forth about this. I have met the terms of the contract and AMEX admitted to making the mistake about me cancelling the membership reward account and that they will credit my account for the XXXX - I just want what they said they will do.
Product: Checking or savings account

On XX/XX/year> I deposited a cashiers check into anothers persons account. As form of payment the receiving bank is M & T My bank is XXXX  XXXX XXXX 30 days later M & T closed the person account. M & T bank informed and also my bank branch manager that they are going to send the funds back to my bank which is XXXX  XXXX XXXX it has now been almost 60 days and I have yet received any notification from M & T about these funds being returned I feel like Im being treated unfair about this situation there not giving me no information about these funds no corporations from the bank I need some 1s help to help me retrieve these funds thank you
Product: Checking or savings account

Bank of america decided to withhold funds from my account because there system had errors in reading transactions. There were 4 charges actually forwarded, but thier system had a glitch and showed 12 charges. this caused my account to be put on freeze for a percentage of my incoming earnings. ive been suffering for XXXX months now and called many times to resolve but they never did!
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the account, as I continue to dispute the presence of fraudulent account on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and Experian removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. Please delete these accounts right away : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Report These accounts and inquiries have been reported inaccurately and are in violation of my rights under several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Product: Checking or savings account

On XXXX XXXX I received a call with my back number and the man stated that my account was being hacked gave me made up and real purchases to verify the account he then told me to send a code to verify my account. The man stated that someone sent money through XXXX to a XXXX XXXX and asked me if I knew the person I told him I didnt and then my son text me asking why I XXXX him XXXX dollars at that time the person on the phone told me that that he had froze my account and it was safe to tell my son to XXXX it back to my account. I asked for a supervisor because I was feel uncomfortable and he just said you have been talking to me this long and you have been a member since XXXX does that help and at that time I disconnected the call and immediately called the bank telling them of the situation and was then put on hold for 45 minutes before I spoke to the fraud department. I filed a claim had to close that account and open a new account. The bank said they would investigate and I would receive a letter ( which I never did ) with results. Filed a police report with XXXX Florida police department and called the bank to report the police report #. Called XX/XX/XXXX to check on the claim because I did not receive information or the money back. I was told the investigation was closed and that I would not receive my money back because it was an authorized XXXX. I was also notified I was not able to file an appeal and there was nothing I could do any further. My son kept the money in his account until my checking account was secured and then he sent it back to my account. The phone call was at XXXXXXXX XXXX and the emails were not seen until I did an investigation after the call.
Product: Debt collection

I do not have an account with LVNV FUNDING LLC, the original debts were a secure credit cards and paid, yet they continue to put the debts on my credit report. They removed it when I submitted a complaint with CFPB before and then added it again. There are 3 accounts that they keep adding to my credit report one fore {$1100.00}, one for {$630.00} and one for {$460.00}.
Product: Mortgage

we recently refinanced our home with XXXX XXXX, they contacted Ocwen Loan Servicing for payoff amount and XXXX paid off the mortgage. there was an escrow balance of {$880.00} which Ocwen never returned to us. I contacted Ocwen by phone they stated that the escrow was kept to pay off fees that were not included in the payoff of the mortgage. I then emailed and asked for a detailed statement. I 'm not sure I understand one line of it? " As per the State laws ; in Ohio, foreclosure fees will not be charged and assessed. '' I read it as I wo n't be charged or assessed fees? 

Ocwen Loan Servicing, LLC ( OCWEN ) would like to take this opportunity to thank you for your recent communication regarding the above referenced loan. We appreciate the time and effort on your part to bring your concern to our attention. Pursuant to your request, we have reviewed the loan and below is our response to the concern raised : Concern # 1 Response You inquired about the balance of {$880.00} in the escrow account, which has been applied toward the fees. 
We reviewed our records and it was determined that foreclosure fees in the amount of {$1500.00} were not included in the payoff quote. As per the State laws ; in Ohio, foreclosure fees will not be charged and assessed. Therefore, the funds in the amount of {$880.00} from the escrow account have been applied toward the fees and expenses. 
Below is the description of Foreclosure fees assessed on the loan. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Date Description Amount -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX Foreclosure Fee {$280.00} XX/XX/XXXX Foreclosure Fee {$520.00} XX/XX/XXXX Foreclosure Fee {$310.00} XX/XX/XXXX Foreclosure Fee {$100.00} XX/XX/XXXX Foreclosure Fee {$300.00} XX/XX/XXXX Foreclosure Cost {$42.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Total {$1500.00} Less Paid/Waived {$690.00}
Product: Mortgage

I see that you took action against Flagstar bank in 2014 for their loan practices. I have read their violations and they are still doing this to me. They have done exactly the same things that you stated they were doing in 2014. They have delayed approval of my loan modification requests repeatedly, most of the time stating they did n't receive something, delayed responses to me, rejected payments from me, denied my applications for reasons unknown, never told me about appeal rights, and many other issues. At one point I was approved for a three month modification, during the third month I contact the bank to inform them of no change in my status, I was told to resubmit documentation which I did and was then denied a modification. This bank has been messing with me for over 800 days. My spouse is XXXX, I am now unemployed and XXXX waiting on Social Security and they are about to foreclose on my house due o their actions, not mine. WE have complied with every request from them only to be treated like we are trash. 

This all started over one missed payment. I called Flagstar to inform them that I could not make the payment and was told no problem, just make the payment the next month which I did. I sent a payment and it was rejected and returned to me 45 days later and stated was that I was now three months behind and the entire arrearage amount was due. Why did n't they tell me I needed to send two payments instead of their statement of no problem just send it next month? This has now blown up to where it is today, over 800 days behind and now they want over {$30000.00} to bring the loan current. Any local bank here would have moved that missed payment to the end of the loan and I would not be facing homelessness. This bank has been predatory to me and I believe their actions are totally unethical. How can they continue doing what they were told not to do after paying millions of dollars in fines, I just do n't understand this at all.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED A FRAUDULENT INQUIRY THAT DO NOT BELONG TO ME FROM XXXX XXXX. I WOULD LIKE IT REMOVE BECAUSE I DID NOT APPLY FOR ANYTHING IN MY NAME. 



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

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

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 end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my debit card was charged {$1000.00} for a second time. I had previously made purchases on XX/XX/XXXX-XX/XX/XXXX that were already charged to my card. Coinbase sent me an email on XX/XX/XXXX stating that they made duplicate transactions on all XXXX card members and refunds would be issued as soon as possible. 4 months later I haven't seen a dollar yet after communicating back and forth with them through numerous emails.
Product: Bank account or service

When my mother passed away recently, I found a C.D. Receipt from XXXX XXXX for a deposit in the amount of {$5000.00}. The deposit was made in my name and the account title bears my name. The deposit was made on XXXX/XXXX/XXXX and was for a 7 month C.D. that was designated to be continually reinvested at maturity ( XXXX/XXXX/XXXX ). 
The FDIC records indicate that XXXX XXXX had the FDIC Certificate # XXXX, and that the bank changed its name to The Chase Manhattan Bank on XXXX/XXXX/XXXX, and then changed its name again to JPMorgan Chase Bank on XXXX/XXXX/XXXX. JPMorgan Chase Bank holds the same FDIC Certificate ( # XXXX ) that XXXX XXXX did. A copy of the FDIC records indicating these changes are attached to this complaint. 
At the suggestion of a very helpful individual in the Consumer Financial Protection Bureau, I investigated the issue by first going to the branch that I used at that time in XXXX. The branch manager said that he was unable to help. I tried to do the same thing at XXXX other branches to no avail. 
Based on the statements of the branch managers, I contacted the Office of the New York XXXX XXXX 's Office of Unclaimed Funds. One account was listed in my name and it was not the XXXX XXXX CD account. A copy of the NY Comptroller 's form is attached to this complaint. 
I then called Customer Service for Retirement Accounts & CDs and was told that the office handles only retirement CDs. I was then referred to the regular consumer call line to make another inquiry ( I had already made at least XXXX inquiries on prior dates with no result ). I explained the situation to all supervisors that I spoke with ( on XXXX/XXXX/XXXX ), and was told ( in quite a rude fashion ) that the bank throws out all records of accounts more than 7 years old and that I had no recourse. It was at this juncture that I contract the Consumer Financial Protection Bureau. I am attaching a scanned version of the original CD XXXX from XXXX Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted a written dispute to Transunion in regards to the account below. I received the attached letter from the creditor stating that they submitted a request to delete all tradelines associated with the account below. Transunion is still reporting the account. 
XXXX XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a dispute to XXXX, TransUnion, and XXXX about some accounts that did not look right on my credit report. According to the FCRA, the bureaus must be able to provide the original documentation, we requested, for any and all accounts listed within 30 days. I requested that documentation and did not receive the method of verification within that time frame. 

I then sent a reinvestigation request on XX/XX/2022, to provide them a second opportunity to provide me with the method of verification, and still nothing has been received. 

At this time all three bureaus are in violation of the FCRA and I am filing this formal complaint with the CFPB. The accounts and reason for the investigation are listed below. 

XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

DPT ED/XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile. 

XXXX XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile.