23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Subject : Urgent Investigation Request Customers Banks Unjustified Withholding of Funds and Deceptive Practices To whom it may concern, On XX/XX/year>, I initiated US {$50000.00} USD international transfer from my XXXX XXXX XXXX to XXXX XXXX XXXX, a crypto company whose clearing bank is Customers Bank, with the bank account number XXXX. However, the recipient never received the funds. 
A few days later, I formally requested a recall through my paying bank, XXXX XXXX XXXX. XXXX made multiple attempts to contact the beneficiary bank, Customers Bank, to retrieve the funds, but Customers Bank repeatedly rejected their recall request. 
In response to this egregious situation, I filed a formal complaint with the XXXX XXXX XXXX XXXX ( XXXX ). Under the XXXX supervision, XXXX XXXX XXXX conducted a thorough investigation, and their findings are as follows : XXXX. The funds remain in Customers Bankthey have not been transferred to the recipient. 
2. Customers Bank falsely claims that they can not process the recall unless they receive debit authority from the recipient.

Meanwhile, the recipient, Lead Accelerating Limited, has been actively engaging with Customers Bank, urging them to locate the funds and return them as soon as possible. In a completely contradictory statement, Customers Bank continues to deny receiving the funds altogether. 
This situation is utterly absurd and unacceptable. The contradictory statements from Customers Bankboth in their communication with XXXX and their responses to the recipientclearly indicate deceptive and fraudulent practices. 
I demand an immediate and thorough investigation into Customers Banks misconduct, including their unlawful withholding of client funds, deceptive communication, and potential financial fraud. I also demand that Customers Bank immediately return the funds and compensate me with double the withheld amount for the severe financial and emotional damages caused by their misconduct. 
Failure to rectify this issue immediately will leave me no choice but to escalate this matter further to federal regulatory authorities and pursue legal action.
Product: Checking or savings account

Chime : I used my account with money being deposited by customers from work done. I also sent money personally from my Chime using my ID for each transaction " in good faith ''. However my account was blocked then closed without notice, and my funds withheld. 
This has caused financial hardship on my family and our lively-hood, ie : unpaid- rent, medical bills, utilities and groceries. 
I'm a victim of theft by Chime and would like my funds to be refunded via certified immediately. 

I can be contacted directly at : XXXX XXXX Thank you
Product: Checking or savings account

I received a letter responding to me & CFPB INFORMING ME ALL OF MY WELLS FARGO ISSUES HAVE BEEN RESOLVED, IE Identity theft account XXXX, which has been resolved & CASE CLOSED? I also received a letter asking if I attempted to open an account online & to walk into a branch to show my ID. So I did today & I WAS TOLD I CANT HAVE AN ACCOUNT BECAUSE OF AN ACCOUNT CLOSURE? WHEN I ASKED THE BANKER? HE SAID HE HAD NO FURTHER INFORMATION TO GIVE? IM @ THE END OF MY PATIENCE TRYING TO RESOLVE WELLS FARGOS COMMUNICATION PROBLEMS & BEING REDIRECTED DEPT TO DEPT WITH NI RESULTS! IM CONTINUING TO RECEIVE LETTERS ATTEMPTING TO COLLECT THE DEBT WHICH HAS BEEN CLOSED & REMOVED? & I CAN NOT OPEN A CHECKING ACCOUNT BECAUSE OF AN ACCOUNT CLOSURE THST KNOW ONE CAN GET INFORMATION TO FIX???
Product: Debt collection

I rented an apartment from XXXX XXXXXXXX in XX/XX/XXXX. The company decided they were not sure about my capacity to pay the rent, so they opted for a monthly lease agreement which means according to them " if incase I am unable to pay my rent, I will be given a month notice to vacate the property and if I also need to vacate the property, I will have to give them a month notice ''. 

in XX/XX/XXXX, my whole apartment was infested with rodents and I informed the agency in writing, my apartment was exterminated but my son was falling sick and I had to look for another apartment. XX/XX/XXXX, I notified the rental agency by writing and also through phone calls of my intent to vacate the property. They accepted but only to call me on the XXXX of XXXX that my request was not granted because they couldn't find the letter of intent to vacate the property in their mail. 

I inform them on the XXXX of XX/XX/XXXX that this was an infringement of my right and a very unprofessional way to conduct business. our communication has been attached to this report. They accepted my request in written ( a proof has been attached to this email ) that I would be vacating the property on the XXXX of XX/XX/XXXX. 


Yesterday XX/XX/XXXX, i got an email from the credit company that a collection was sent on my credit without any prior notice from the collection agency, no calls or emails. this is fraudulent and an infringement on my right and has caused me so much damage. I am in the process of buying a house for my family but with this collection report, my application has been turned down. I did not renew my lease with my landlord so I will be without accommodation for the foreseeable future.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that this issue still persists. As we enter the multiple attempt to address this matter, I want to emphasize the urgency and importance of rectifying this discrepancy promptly. The presence of a late open accounts affects my credit score and raises concerns about the accuracy and integrity of my credit information. I kindly request that you prioritize the investigation and resolution of this discrepancy, ensuring that all necessary steps are taken to correct it in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations.

Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving this matter and a clear timeline for when I can expect to see this discrepancy corrected on my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying this discrepancy is crucial to ensuring the accuracy and integrity of my credit information. With this, I am asking for your assistance to correct othe accounts : XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$6100.00}.
Product: Mortgage

I had a settlement on XX/XX/XXXX closing by XXXX XXXX XXXX a title company for a mortgage obtained by qualifying me as the borrower the mortgage company was Movement Mortgage. My complaint is that the loan officer XXXX XXXX XXXX XXXX and assistant loan officer XXXX XXXX XXXX XXXX refused to allow me to decline the escrow impound and the advanced corporate cushion despite my meet qualifications 40 % down payment and my good credit with no 60 days late after numerous requests. The most recent request made to return my escrow impound and the two advanced corporate cushion was made on XX/XX/XXXX with the same answer given which was this isn't something we can help you with. I have notified the underwriter and have not gotten any response and I have sent an email to corporate as well. The option to escrow or to decline was marked x to escrow by the loan officer not by my mark or hand. I was not given the option to escrow or decline because no option was offered. Acting discriminately the loan officer made that decision despite my wishes to decline escrow which I have done many times in the past having qualified with a 40 % down payment and good credit there was no reason not to offer me the two options which were never offered nor discussed so I plea to ask for my escrow taken against my wishes and wish to open a complaint of discrimination acting outside the requirements of Banking regulations both loan officers XXXX and XXXX. I kindly ask that my escrow be returned to me in the amount of {$10000.00} and a cushion amount {$3000.00} as stated on page 4 of 5 in the Loan disclosure document that I will provide as well as the emails sent with the request denied yet again. Thank you.
Product: Mortgage

I have a mortgage with Ditech Financial. On XXXX XXXX, I had damage to my home, causing an insurance claim. The claim was covered and the insurance started sending me checks right away. My mortgage company insisted on managing the funds and dispensing them as they were needed. I understood that and had no issues with that so I sent the funds to them. They sent me a check for the first {$10000.00} but no one told me it was coming so I was pleasantly surprised. Unfortunately, no one also told me that they were awaiting a series of forms from me ( that they also had not sent ). I called to make sure they had gotten what I had sent over already and asked them if anything else was needed. This was probably about XX/XX/XXXX. They said they were still waiting on some other forms and could n't release any other funds until that was received. I asked them to send me the forms that they needed filled out and I 'd get them finished. I received the forms about a week later and had them finished and sent a few days later. The company received them on XX/XX/XXXX. The company policy states that they take 7-10 business days to process the mail. That means I have to wait until XXXX for them to even read my forms that I sent. The biggest concern is that my contractor is at a total standstill and ca n't perform any more repairs until more funds come in. In addition to that, the insurance stops paying for the hotel tomorrow and I still have no kitchen. I called today and asked if anything could be done and the girl on the phone said that is policy and I have to deal with it. Unfortunately, apologies and policies are not legal tender at the hardware store so I 'm still without a kitchen and Ditech does n't give XXXX about it. I asked to speak with a supervisor and the girl on the phone said no supervisors were available and said I could leave a message to be returned in 72 hours. I told her that was not an option so she transferred me anyway. That 's more just general nonsense, but the main concern is that this company has {$30000.00} that belongs to my contractor and myself that they refuse to dispense because THEY did not advise me that they needed something. Long story short, they failed, I suffer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX : XXXX ( XXXX ) XXXX : XXXX Experian XXXX XXXX XXXX, TX XXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by Experian. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt.

The debt is validated to ensure that the reported information is complete and accurate.

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law. 

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt. 

The name of the original creditor. 

A statement indicating that the consumer has 30 days to dispute the validity of the debt. 

If the consumer disputes the debt, the collector must provide written verification. 

If the debt is not properly validated, it can not be legally reported or collected.
Product: Debt collection

XX/XX/2020 After multiple request of complete validations or any proof that i owe this bogus debt not owned by me by multiple companys in the past what was requested by me by certified mail ( have all the proof ) and NO PROOF OF ANY KIND HAS BIN PROVIDED TO ME EVER and again sold to another bottem feeder with no proof what soever trying to claim i owe this debt after 13 years. 
Do your homework and check all your files i have mine in order. 
Thers nothing out there it aint mine. 
SYNERGETIC COMMUNICATIONS, INC is in violation with the FDCPA by illegal and unfair debt practices by collecting in behave of other companys with no proof provided knowing complete validations has bin requested by me in the past. 
More complaints will be filled with the FTC and XXXX. 
A COMPLETE FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

OnXX/XX/2020, XXXX XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, CREDCO add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting 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 XXXXXX/XX/XXXX 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

I went to Chase Bank in XXXXXXXX  XXXX  to cash my payroll check from my employers account there. I submitted my drivers license and my social security card as two forms of ID. The teller advised there would be a XXXX dollar fee. She asked me to sign the back of the check then she stamped it and put through the machine. After a few minutes she excused herself saying that she had to get an override. She came back several minutes later and explained there was no available to do the override and my two choices were to take a seat and wait or come back tomorrow. By this time it was after XXXX. I stated that since she stamped my check it won't be accepted at a check cashing service so took a seat and waited about XXXX minutes. Then a man approached me and asked me if I spoke to my employer, who I was already on the phone with. The bank would not disclose why they rejected the check so I confirmed with my employer that funds were available and there should be no problem so the bank guy told me to get back in line and try cashing the check again. Again they said they couldn't cash it and to come back tomorrow! My employer ended up having to wire my paycheck to my banking account which won't post until Monday morning. I want to know for what reason they did this. I am now late on my car payment and other obligations that will result in late fees and I want to know why this happend.
Product: Checking or savings account

On XX/XX/2021 my US bank account was officially closed due to a flagged bank transfer from my daughter that was flagged. I was told the funds from the failed bank transfer would be transferred back to the original sender before my account is fully closed. The original sender still have not received the returned funds and my account has been officially closed for over 2 weeks now. I was told in writing that the funds would be sent back as soon as my account was closed.
Product: Payday loan

I am a XXXX person who has XXXX XXXX and unable to work. While waiting for XXXX XXXX to finish their case, I applied for a loan for {$1000.00}. My received {$540.00} from them and the letter I received stated I was severely past due.I spoke to their rep, told him once I receive my money I will pay them. I was a XXXX for XXXX years and is certified by the XXXX XXXX XXXX. I sent a certified letter to cease and desist today XXXX XXXX, I was informed payday loans are illegal in the XXXX XXXX Virginia. Please quote me if I am wrong. The bill I received is {$1200.00} and did not receive half of that at all! I am quite upsetwith the system allowing these foreign scammers to continue to do this. Please help, I am in chronic pain daily. no income nothing. I looked at their web site and read all the scam they have done to people that are desparate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge XXXX - XXXX XXXX  XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/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, GA XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information : Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX XXXX XXXX As : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : 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 MA XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX Employers : XXXX XXXX Employers : Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX * XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$4700.00} Late Payment : XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX XX/XX/XXXX {$900.00} XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$2200.00} XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to express my concerns regarding several issues I've encountered with the credit bureau. These issues include incorrect account listings, inaccurate credit reporting, billing discrepancies, and accounts that do not belong to me.

I would appreciate assistance in resolving these matters to ensure my financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY-DISMISSED XXXX {$0.00}