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

My wife is the executor of her father 's estate. He passed on XX/XX/2017. He had an account at Suntrust Bank. His name was XXXX XXXX XXXX ( deceased ). There are XXXX siblings who are supposed to receive XXXX each according to his will and beneficiary list provided to Suntrust Bank. My wife personally dropped off a certificate of death, which was required at the branch on XXXX XXXX, XXXX, XXXX. An employee named XXXX, took the original and scanned the doc into their system so the disbursements could begin. Each of the beneficiaries had to submit a letter, explaining who they are with proof of ID, namely a drivers license. This has been done. My wife has also provided their disbursement department in XXXX with the appropriate letter, and XXXX ID ( drivers license. ) This took place almost two weeks ago. On Friday, XX/XX/2017 we received a letter from their disbursement department in XXXX without signature, stating that the Certificate of Death that my wife personally dropped off at their branch was not put into their system. I immediately went to the Post Office and overnighted the original docs, actual death certificate and ID to again, initialize the process. The local branch could not provide an answer to why the original information was returned, when the branch had the copy of the death certificate scanned into their system. I told the branch manager, XXXX XXXX, at the brance on XXXX in XXXX, that I was going to make a formal complaint as I believe the bank is giving us the runaround. She said she understood, and after 6 hours contacting her again this morning, nothing is resolved.
Product: Credit reporting or other personal consumer reports

I recall on this day XX/XX/year> an account that contains a serious error. 
I am denied access to accounts of a valid state ID. My father ( XXXX, VA ), mother ( XXXX ), & grandfather 's ( ) are ( XXXX XXXX  ) " XXXX. '' who burned cross without a US clear XXXX  birth-given name bracket [ ] of XXXX in XXXX of California XXXX XXXX XXXX By error ; my application is stored as full name matching an illiterate person of US history abbreviated form XXXX. as account XXXX  when I own & provided with application a valid clear XXXX three letter first name of XXXX in state of CA.
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  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 recently pulled my credit to see where I stood to purchase a home. After looking at my credit I saw these medical collections I reached out and asked the companies to send verification and validation of my dept on XX/XX/2020 they only played games threatening me and asking me to claim the debt. I asked to prove that the debt was mine and I was told that the police will come and get me and that I would be sued. 

I asked the company to stop calling me. I have no other choice but to see help
Product: Prepaid card

Paypal won't provide me debit card. When my adress been verified and there's no account limitations. 

I've already linked bank account and my card.
Product: Debt collection

I was XXXX by a group of about 15 strangers and ended up XXXX my hand and getting a XXXX amongst other things by getting XXXX so many times. The police said they found the individuals involved, but the police never actually did anything. I was then left with a hefty medical bill that the individuals responsible were supposed to pay for and was not aware of the medical bill of my deductible from insurance. During this time I also was a XXXX XXXX who had to stop my job because of the injury that took me around 6.5 months to recover from and another full year to FULLY recover from and could not afford to pay this medical bill especially because the law enforcement did not do their jobs properly ...
Product: Debt collection

SCA Collection c/o Consumer Financial Protection Bureau XXXX. XXXXx XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX To whom it may concern : I received an itemized bill from SCA Collection which is a third- party collection agency. SCA collection has violated my HIPPA rights. I did not sign any contractual agreement with SCA Collection for them to have my medical records nor did I signed a medical release form from the hospital for them to obtain my records. 

The laws of HIPPA regulations state that any time you go to the doctor and when you sign that HIPPA form, it states medical information, charts, diagnoses, and other Personal Health Information ( PHI ) is to only be shared with the individual you put down that can have this medical information released to them. The person you put down on that form, is the only person that can receive that information I.e. spouse or family member you designated and that that health care provider in this case XXXX XXXX XXXX. The minute that XXXX XXXX XXXX gave that information to a collection party ( SCA Collection ) showing my PHI is a direct violation of HIPPA. I did not sign a form giving up my PHI to this debt collection agency. 

I demand that this account be closed and return to the creditor. Removed from each of the credit bureaus ( XXXX, XXXX, XXXX ) because it is violating my rights. It is within my rights to sue SCA Collection for violating my rights for the damage that has been done. 



Thank you XXXX XXXX
Product: Mortgage

On XX/XX/year>, I contacted Midland Mortgage via their telephone payment option and authorized a one-time ACH draft for the amount of {$2600.00} for my mortgage payment. Attached to this letter is the Phone Payment Confirmation Statement dated XX/XX/year>, which verifies the authorization with confirmation number XXXX. The same bank account information was provided again on XX/XX/year>, during a subsequent call to Midland Mortgage, as evidenced by the attached Phone Payment Confirmation Statement dated XX/XX/year>, with confirmation number XXXX. 

Upon reviewing my bank statements from XXXXXXXX XXXX, which I have also attached for the periods of XX/XX/year>, to XX/XX/year>, and XX/XX/year>, to XX/XX/year>, it is clear that no attempt was made by Midland Mortgage to withdraw the authorized amount on or after XX/XX/year>. The bank statement for the period ending XX/XX/year>, indicates that the withdrawal was only made on XX/XX/year>, several days after my second call to Midland Mortgage.

Additionally, the payments were made to end the repayment plan after discovering that Midland Mortgage had been holding a portion of my money in an account and not applying it to my balance. This misrepresentation of my account balance led me to believe I owed more than I actually did and affected how much I needed to pay to be current. Despite providing the correct bank account information during both calls, Midland Mortgage neglected to fulfill their obligation to process the payment as authorized on XX/XX/year>. 

This failure to process the authorized payment in a timely manner, combined with the misrepresentation of my account balance, has caused undue stress and has had potential negative impacts on my credit rating due to the appearance of a late payment.
Product: Credit card

I always pay my balance in full each month. 
On XXXX 's statement, I paid in full and had a {$0.00} balance. On XXXX 's statement, charges started going to a separate 'Pay over time ' feature that I did not sign up for. So, on my account, these charges did not show up as part of my balance to pay. I now see I have been charged {$110.00} of interest charges. 

I have been with Amex for 20+ years and have never paid any interest fees. This is an error in this 'pay over time ' system that they signed me up for.
Product: Debt collection

XX/XX/2019, XX/XX/2019, XX/XX/2019 Sent notarized and certified letters asking company to show original signed contract of me accepting the service. Company kept sending me invoices that show no signature or agreeing to the contract. The claims they were uncertain of what I was specifically disputing. The letter clearly stated provide ANY documentation required under section 609 and section 611 showing my signature agreeing to the service. If they can not not provide the information or verified the account has to be deleted.
Product: Credit card or prepaid card

Navy Federal has been contacted about an account that was settled for less. This was done via agreement made and they continue to report the account as being late for 30 days. They have not updated the credit bureaus to reflect that the account was paid/settled. They are reporting the card as late with a date that the card was already paid in full per a confidential agreement. 

While I no longer have this credit card it is harming me that they continue to report the card as 30 days late which is not correct as I do not have a credit card with them and have paid in full the settlement amount. 

I found this on all my credit report with multiple credit reporting agencies. Therefore, I need the correction to be made with XXXX, XXXX, and XXXX XXXX. 

Upon making the request the bank refused to make any further reporting to the bureaus as they had the settlement money and didn't need to continue to report. They reporting information from XX/XX/2017. 

The balance has been XXXX for quite some time now and they continue to report either a balance or late pay which has impacted my credit report. I advised them that the reason for the settlement was to clear my account balance and not have this show up as a late pay after being paid in full.
Product: Mortgage

I have filed this complaint with ; HUD, Making Housing Affordable, FBI, XXXX, XXXX, XXXX XXXX XXXX XXXX, Federal Trade commission, American Bar Association, XXXX Attorney General and I 'm sure some other agencies. I just found this out today so these agencies have not had a chance to contact me back. I got a letter to vacate the premises today so time is of the essence I just need someone to help me. 
I was contacted by XXXX XXXX XXXX XXXX out of XXXX XXXX after I was online looking for a company to help me avoid foreclosure on my VA loan. They asked me if I did a load modification with my current mortgage company and I said yes, they told me my mortgage company was under a class action lawsuit and I could avoid foreclosure as well as end up with a settlement under the dodd-frank act. They asked me if I had equity in my home and I said yes about $ XXXX, they said that is probably what the bank was after to gain. I gave them XXXX that day and they sent me paperwork to do. I did it but they kept saying they did n't get it. Yesterday I was contacted regarding my payment bc they do n't take XXXX XXXX and she wanted to know if I could use the same visa I had been using. Today I found out my home had been sold. I had no Idea. I contacted the law group and it was apparently news to them too, then she called me back and said a letter was mailed on XXXX XXXX that they were dropping me as a client due to incomplete paperwork. I told her I have sent in my paperwork numerous times, she wanted to see it, so I faxed her the copies of the multiple emails I sent. I then called back to see if they received them no one answered the phone on any number I dialed before for the rest of the day. I am a 12 year XXXX Vet, I 've been on XXXX XXXX, XXXX XXXX XXXX. I am a sinlge mother of XXXX children. I bought this house with I was XXXX years old and I ca n't believe this has happened. If someone, anyone can help me please do!! I am at a complete loss.
Product: Credit reporting or other personal consumer reports

There are multiple discrepancies on my credit report that I would like to have investigated and remove as soon as possible. 

XXXX XXXX XXXX first of all we've never been late. There were some fraudulent charges made on the account for some reason the bank approved half of them and of the other half but 100 % of it was fraudulent so we should have a XXXX balance. Also, I was just an authorized user on this account, and we have requested to remove me from the account and close the account so I have no idea why this is still showing up on my credit report. I'm not the primary and I should not be on the account anymore. 

XXXX XXXX XXXX XXXX  you charged off the account which means per the United States government specifically the IRS I had to claim that as income the year you charged it off. And if you check with your legal department income can not be reported on credit reports. I requested you to remove this before, And if you're unwilling to remove it, then I'd like to see proof that the account belongs to me XXXX XXXX  you charged off the account which means per the United States government specifically the IRS I had to claim that as income the year you charged it off. And if you check with your legal department income can not be reported on credit reports. I requested you to remove this before, And if you're unwilling to remove it, then I'd like to see proof that the account belongs to me XXXX. XXXX credit card you charged off the account which means per the United States government specifically the IRS I had to claim that as income the year you charged it off. And if you check with your legal department income can not be reported on credit reports. I requested you to remove this before, And if you're unwilling to remove it, then I'd like to see proof that the account belongs to me XXXX XXXX XXXX you charged off the account which means per the United States government specifically the IRS I had to claim that as income the year you charged it off. And if you check with your legal department income can not be reported on credit reports. I requested you to remove this before, And if you're unwilling to remove it, then I'd like to see proof that the account belongs to me If you can't prove that the account originally belong to me then I expect you to remove There are also some inquiries on my account that do not belong to me. I've contacted the bank directly. They agree that the inquiries were made fraudulently and should not be listed on my credit report, but they say it's up to the credit reporting agency to remove them feel free to call the Bank if you're uncertain. I would like all of these removed as soon as possible. And paper copies of the updated Report sent to me as soon as possible paper because I can not login every time I try to login online it always tells me I have to call so I want everything sent to me in writing paper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX Balance : {$620.00} If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my credit report : CAPITAL ONE BANK USA N XXXX Date Opened : XX/XX/2016 Balance {$6300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Experian. I incorporate by reference and support the attached Mortgage credit report. According to Experian, the key factors that adversely affected my Experian credit score : XXXX SERIOUS DELINQUENCY. Note : According to Experian reporting, I have XXXX open accounts, all of which have never been late. Note : According to Experian I have XXXX closed accounts, XXXX XXXX XXXX account paid off XXXX years early when XXXX misreported a late payment in XXXX which I disputed ; XXXX Department of Education Account closed, having never been late ; XXXX XXXX XXXX XXXX XXXX loan closed, having never been late ; XXXX XXXX XXXX XXXX account closed, having never been late ; XXXX XXXX XXXX XXXX XXXX Account disputed and closed, having never been late and Credit Union and scheduled to drop from reporting in XX/XX/XXXX ; XXXX XXXX accounts closed and disputed wherein XXXX abandoned their claim and then issued a separate XXXX for each and scheduled to drop from reporting in XX/XX/XXXX. 
XXXX RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH. Note : According to Experian reporting my ratio to limit is 2 % with credit availability of 98 %. 
XXXX PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH. Note : My ONLY LOAN, a student loan balance is currently {$76.00}, XXXX and I am currently paying no interest, with the balance scheduled for discharge under the Public Service Program. Based on the program criteria, my monthly payment is {$0.00} and will be fully discharged on XX/XX/XXXX. 
XXXX NUMBER OF ACCOUNTS WITH DELINQUENCY. Note : According to Experian, I have no accounts with delinquency. Delinquency is defined as a failure to pay outstanding debt. Neither the XXXX XXXX XXXX XXXX, XXXX, or my student loan are outstanding. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX both formally and inexplicably abandoned all right and recourse to their claim, with prejudice, and have no recourse to recovery. My student loan is neither outstanding nor inappropriately high as I am in full compliance with the repayment plan. XXXX TOO MANY INQUIRIES LAST 12 MONTHS. According to Experian, I have XXXX inquiries on my credit report XXXX of which are Mortgage and Rent. The XXXX remaining inquiries are disputed as they were obtained under the premise there would be no hard inquiry or impact to my credit report. As a direct result, they should be stricken.
Product: Debt collection

Company repossessed car without proper legal notice. Received a different response than the one provided as an answer to my complaint. Very abusive over the phone asking for {$420.00} in repossession fees. I invoked my rights under 15 USC 1692 c. I was told that my account needs to be " current '' before I would be able to get my property back. I disputed the validity of the debt and they stole my property, lied to you, and basically said that I need to pay or they are selling my car in auction, which can occur anytime. When I contacted the assignee, they said that I had to pay before they would say where the car is. 

I am being extorted, abused, and terrorized by this company for invoking my rights.
Product: Money transfer, virtual currency, or money service

I sent XXXX XLM ( XXXX XXXX ) from XXXX to coinbase on XXXX around XXXX XXXX EST. This usually takes at most 15 minutes. This time it was taking considerably longer but the transaction still said pending on XXXX so I wasnt worried about it. I then read that there was an issue with the XXXX  network but XXXX and the exchanges were looking into it. Around XXXXXXXX XXXX that same day, I received notice from XXXX and XXXX XXXX that the problem had been resolved. Within an hour, my transaction showed successful on XXXX end but still no funds were received on coinbase. I gave it some time and then when I realized other people were having the same issue, but only on coinbase, I started a support ticket with coinbase. I received a vague automated response stating that they were aware of the issue and working on it but it has been over 24 hours now and I havent been updated, nor has anyone else who is experiencing this issue. They seem to still be blaming it on the XXXX network but the issue has been long resolved on XXXX end and every other exchange has seemed to have figured it out except coinbase. This isnt the first Im hearing about funds disappearing on coinbase and it doesnt seem like this type of thing gets resolved very often without some sort for mediation. The worst part is, theyre not even attempting to warn anyone that there is an issue and are continuing to allow customers to attempt to send/recieve funds and all are just ending up in limbo.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX