23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

A settlement check from a lawyer 's trust account at XXXX was deposited on Saturday, XX/XX/XXXX. The funds were wired XX/XX/XXXX from XXXX to Chase and the attorney has verified this. Chase will not release the funds because their back office says that they have to CALL the sending institution to verify the funds were sent, even though Chase already has received the funds. XXXX will not respond to any phone inquiries because of the prevalence of phone fraud. Chase 's internal process is preventing release of the funds that they already have.
Product: Credit card or prepaid card

I told American Express long time ago that all communications from Amex should come to me via online, NO paper mail. 

A couple of days ago I called Amex and asked the operator to confirm if that setting is activated and he confirmed that all communications from Amex would come to me via online ONLY, and that is how it is set up. This was confirmed to me over the phone two days ago. Go listen to that phone call. 

Hours later I receive two emails from Amex which states " Withdrawal of your consent to receive Account Communications in electronic format ''. Who gave this consent? 

What's going on here? Are you trying to play games with me?
Product: Credit card or prepaid card

Good afternoon. 


In the about or after XX/XX/2022, I did close Discover XXXX Credit Card. 
A refund check was issue, but the total amount is wrong. And need to be corrected by Discover XXXX Credit Card. 
Account XXXX : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am the a XXXX for a nonprofit Florida XXXX  named XXXX XXXX XXXX XXXX XXXX XXXX whose EIN is XXXX. This corporation had a checking account with TD Bank, of which I am a XXXX, that had a balance of {$570.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) since XX/XX/XXXX. The account has had no activity since XX/XX/XXXX. I visited a branch of TD Bank in XXXX, Florida Wednesday, XX/XX/XXXXXXXX  to close the account out and donate the balance of the account to another non-profit organization. The tellar pretened to have trouble finding the account because the account, she said had been inactive for so long. She asked me for my social security number and I told her that this is a non-profit organization and I am only a XXXX  on the account, and that my social security number would not be associated with the account. She continued to predend that she could not locate the account in her system even though I gave a her a blank business check with the account number on it. I unwittingly relented and finally gave her my social security number to try to help her find the account. After I gave her my social security number she informed me that the account was in closed and had been turned over to TD Banks collection department and that the organization owed {$69.00} ( XXXX XXXX XXXX XXXX XXXX  ). The tellar falsely represented her purpose for collecting my social security number with the intent of surrepticiously using it to collect on a debt. Apparently TD Bank had been charging a periodic fee on this account which exhausted the existing balance and overdrafted the acount. TD Bank had a policy of no fees on this account as long as it had a running balance of at least {$500.00} ( XXXX XXXX XXXX XXXX XXXX XXXX ). I never received bank statements in the mail nor did I recieve a notice about the overdraft due to fees on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A certified letter was sent to Convergent Outsourcing on XXXX ( United States Postal Services display " delivered '' from a company representative on XXXX at XXXX am ; Tracking # XXXX ) displaying their Violations of Fair Credit Reporting Acts. Convergent Outsourcing has ignored the complaint, failed to respond and failed to delete the company 's fraudulent reporting to XXXX, XXXX XXXX XXXX.
Product: Debt collection

Equifax and XXXX XXXX XXXX, I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Mortgage

While married we bought a townhouse in a low income area because it was being sold and a friend lived there. During the divorce my husband who works for the government at a XXXX got the townhouse and allowed me to keep our house because of my son living here. He is a honest man living well below his means. The townhouse was bought 16 yrs ago and 5 months. He has always had automatic payments and the mortgage has been sold/transferred several times over the years. We believe it has had more transfers due to the location. The last mortgage holder was Ditech Financial LLC and it was transfer in XX/XX/2019. The XXXX payment counted because he pays around the XXXX of the month before. It was sold/transferred to New Res-Shellpoint MTG with no notice in the mail or email. Normally this isnt a problem because the old company forwards the payments for about 3 months while making sure the owner is notified. Not only did this not happen but they returned his payment for XXXX and XXXX with no information. It went unnoticed due to living below his means and a very low mortgage payment didnt adjust the bank amount enough to be noticeable. It was letters of intent of foreclosure that was the first correspondence he was given that the mortgage holder had changed. He paid right away and wrote the company asking for them to adjust the credit reporting because before that issue he had a perfect credit score. He notified me because it is still listed as joint ownership. I have also written the company which is a Fannie Mae owned company and disputed the reporting because of bad administrative practices. Over 16 yrs with not a single late payment but a company that is poorly run can ruin a perfect credit score. We strongly believe that other owners in this community have had similar issues or even been foreclosed because of being sold to poorly managed mortgage companies buying loans in low income neighborhoods. Please investigate these companies because they give no response to our letters.
Product: Credit card or prepaid card

I have had an active child support case since XXXX, in XXXX my son turned XXXX, I had no idea I would still need the card and that I would get back child support on the card. I threw this card away back in XXXX. I have had some back child support sent to this card I was told and the card members say that I cant get my money since I dont have the card and they cant issue me a new one or anything, so where did this money go as the child support department says they no longer have the money that it was sent to this card!
Product: Credit card

I applied for the credit card then when I received it I activated it and lost it. Someone made a charge at a repair shop and I immediately canceled card and notified the company then they issued me XXXX different cards along with a notice in less than a week that they did a full investigation and it did not come back on my behalf. XXXX tried to speak with representatives and they give me the runaround everytime and are obligating me to pay this even though I did not make the charge they are doing shady business. They need to be investigated thoroughly
Product: Checking or savings account

the closed my account and made me late for auto pays they also never reimbursed me for money that was took
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with US BANK and i am currently upto date with said mortgage, never missed a payment or been late, my wife filed a chapter XXXX bankruptcy by herself with no affiliation to the mortgage or myself, the US bank has saw fit to remove this from MY credit history and refuses to put it back on, the XXXX  Credit Agency also refuses to fix this issue, both companies refuse to speak to each other as required to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT

METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! I demand the following accounts be verified or removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the account completely from my Credit Report : XXXX XXXX
Product: Debt collection

I requested the investigation that determines conclusively the debt was mine, the company provision was not consistent with their claim
Product: Credit reporting or other personal consumer reports

Experian and XXXX have an address on my credit file discovered during an " Identity theft and fraud investigation '' filed with the FTC and CFPB and reported to the CFPB as " my possibly being a victim of fraud. '' The address is XXXX XXXX XXXX XXXX XXXX XXXX, which is not, nor has it ever been, an address where I have resided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act 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. 

ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER:XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBERXXXX
Product: Checking or savings account

On XX/XX/2023 I spoke to XXXX XXXX, XXXX Client Relations. She informed me that my accounts ( personal and business ) were closed due to alleged fraud committed by me. She was not able to provide answers to my questions. However she scheduled a follow up phone call appointment for XX/XX/2023 at XXXX. I made myself available for her on XX/XX/2023. As of today, XX/XX/2023 I have not received any update from her. Questions such as how much exactly from my personal checking was sent to XXXX Bank?, exactly where was remaining funds from my personal account that was sent to XXXX?, exactly how were the funds presented and sent to XXXX bank?, why would someone at PNC Bank discriminate against me and make false allegations of fraud and how did allegations of fraud get initiated as XXXX being told by XXXX bank that PNC Bank kept insisting the check I present on XX/XX/2023 for {$100000.00} was fraudulently presented by me. 

All the questions are important to know and understand so that XXXX bank can follow up on their end and send me back my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and no one appears to care, that I want to dispute particular records in my credit file that does not belong to me, or that I have signed any agreement. The items I'm disputing have nothing to do with any transactions I've conducted or authorized in order to obtain goods, services, or money. Please remove the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA this company XXXX XXXX XXXX needs to provide me the consumer with proof of purchase of my personal information that includes dates, and amounts and everything included with the sell of my information.
Product: Checking or savings account

On XX/XX/XXXX I noticed 2 {$15.00} maintenance fees for falling below the minimum balance of {$100.00} on XX/XX/XXXX & XX/XX/XXXX when the statements shows I had the required amount to offset the fee.I spoke to XXXX who insisted they were correct.
Product: Bank account or service

I was charged a return check fee for a check written from my Capitalone 360 checking account, check # XXXX in the amount of XXXX. CapitalOne supervisor by the name of XXXX agreed to waive overdraft fee in the amount of XXXX, however, there is still an issue of return check fee in the amount of XXXX, the attached screen shot shows the charge by XXXX Bank. A deposit made prior in the amount of XXXX should have covered this check written from my XXXX checking account, however, a finance charge posted after which caused account to become overdrawn. Previously, the account was brought to a zero balance and I also had an overdraft credit line in the amount of XXXX, but that was brought to zero without my previous knowledge. No notice was received stating so, otherwise I would not have written any checks. Please advise Capitalone I need XXXX return check fee credited to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

These people are Defamation of my character lying on my credit report, untrue and damaging to my way of life by presented as a fact to others. I WAS NEVER 60 OR 90 DAYS LATE ON MY XXXX XXXX. HERE IS PROOF FROM XXXX SHOWING I PAID. UPDATE TO " PAID AS AGREED '' NEVER LATE
Product: Credit reporting, credit repair services, or other personal consumer reports

On three separate occasions over the past 90 days have requested a free annual credit report from Experian credit reporting agency as available pursuant to federal regulations under the Fair and Accurate Credit Transactions Act ( FACTA ) and the Fair Credit Reporting Act ( FCRA ). On three separate occasions they were unable to provide same and requested additional identifying information. On each of these three occasions I provided a written response which included all of the requisite information. Nevertheless my now fourth request for a copy of my Experian credit report was denied again requesting the same information.
Product: Prepaid card

American Express AMEX gift card number XXXX XXXX XXXX expires XX/XX/year> security XXXX Balance {$100.00} I purchased this card for {$100.00} plus {$3.00} purchase fee I have not been able to use it as it gets declined everywhere. It has been declined at XXXX, XXXX, XXXX, XXXX. 

I called American Express customer support multiple times and was told there is nothing wrong with my card and to try using it again at another store.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I reviewed my credit report and became aware that I have been a victim of identity theft. There are several fraudulent accounts on my credit report and I submitted the documentation to each credit bureau ( XXXX, XXXX and experian ) to correct the fraudulent accounts on XX/XX/21. I mailed in a certified letter, signed and a FTC Identity Theft Affidavit to have the fraudulent item ( s ) removed. According the the Fair Credit Reporting Act, Section 611, I have to allow 30 business days for the investigation and then wait for a response. Today is XX/XX/21 and I can see XXXX has deleted the fraudulent account however, XXXX and Experian have not. I have not been notified by mail from either Experian or XXXX of their investigation and it is clearly longer than the 30 business days as of today. The tracking number for Experian is : USPS : XXXX, Delivered XX/XX/21 and the tracking number for XXXX is USPS : XXXX, Delivered XX/XX/21. I have spent over {$500.00} of my time is mailing disputes and having to take off of work to take care of this matter. I am not submitting a formal complaint to get the expedited help I need to correct this and to also help me so I can take a loan out due to the world wide pandemic.
Product: Mortgage

In XXXX XXXX I was 2 months behind on my mortgage. Well Fargo told me that I need to get into a forbearance plan or foreclosure would start. I was prepared to make my XXXX XXXX payment but was told to pay {$310.00} instead for the next year to see if I could improve my financial situation. I was concerned as to what would happen to the debt that accumulated for this year and was told that it would be put at the end of my loan and that I could get a loan modification. I told my home preservation specialist that I would become a substitute teacher and improve my income. At the end of the 12 months of paying {$310.00} was told that I could not pay my normal {$1100.00} and that I needed to pay the balance of {$15000.00}. I was told to apply for a loan modification. After applying for the loan modification I was told that the {$2200.00} that I made from XXXX XXXX and XXXX was not enough for a loan modification. I was never told how much I needed to make, just that I needed to improve my income. I had a foreclosure case scheduled for XXXX XXXX. I did n't have enough money for a lawyer so I wrote the response to the foreclosure complaint myself. I did n't answer the accusations with I deny, instead writing I disagree ( not knowing law language ) and the judge gave Wells Fargo a default judgement against me and allowed the foreclosure of my home.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$80.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$64.00} XXXX XXXX XXXX XXXX Balance : {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A credit collection agency NCA in the amount of {XXXX} added a collection to my credit report that isnt mine. I called the credit collection agency to take care of it they said to file a police report which I have today XX/XX/22. I also called the credit card XXXX XXXX company with the information given by the agency and the credit card company has no record of the collection. I do have a current credit card with XXXX XXXX which is in good standings.
Product: Credit card

XX/XX/XXXX I requested to start paperless statement billing. XX/XX/XXXX my online account statement at XXXX. I downloaded my statement for XX/XX/XXXX when I open the file the statement was for XXXX of XXXX. I contacted customer service to change this and they did not.