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

We were previously customers of SunTrust Bank from XX/XX/XXXX until XX/XX/XXXX ( XXXX XXXX XXXX & XXXX XXXX XXXX  ). We kept over {$450000.00} of combined deposits with SunTrust in Advantage Money Market Savings account # XXXX and in checking account # XXXX. We closed the accounts on XX/XX/XXXX after a promotional rate ended via a cashier 's check. We never had any overdrafts and closed the accounts in good standing. On XX/XX/XXXX, we opened a new SunTrust checking account online. We received confirmation of the new account number XXXX # XXXX XXXX. I changed my direct deposit information with my employer. The following week, I attempted to log into my account to verify my direct deposit and received a message to call a SunTrust customer service number. I called and learned that our account had been closed. No reason was provided to me after I asked for a specific reason. Thinking that one or both of us may have been victims of fraud, I pulled our credit reports with XXXX XXXX and XXXX to confirm that there was no derogatory information on record. There was none. Our credit is flawless. Our credit scores are both in the XXXX range. I also confirmed that our credit was still temporarily UNfrozen and even contacted XXXX XXXX to confirm that no derogatory information was on record there. On XX/XX/XXXX, I called the 800 number again and asked to speak to a supervisor. I was connected to XXXX XXXX XXXX. She would not give me any information on why our account was closed. She only would say that SunTrust has the right to close an account and that a letter would be mailed to us. We are still waiting on this letter. My direct deposit is in limbo. I find this business practice unethical and discriminatory. A valid reason needs to be provided immediately and verbally or electronically to a consumer on why an account was not opened or closed. A federally regulated bank should not be allowed to operate in this manner. If a bank is able to open an account online, they should be able to provide a detailed response back why an account can not be opened in a similar electronic manner ( online ). Mailing a response days or weeks later by USPS is NOT acceptable. We have suffered undue XXXX and XXXX not knowing if our personal information has been compromised, if fraud was committed, or if an error was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted, XXXX, Experian, and XXXX about a HIPAA violation, neither initiated a dispute over the phone.
Product: Debt collection

I have no knowledge of this debt. I never received a right to dispute.
Product: Credit card or prepaid card

Old Citi credit card was used on XXXX mistakenly at the same time an active Citi credit card was being used. Citi made no attempt to collect the money owed on a card that had not been used in a few years until I started getting phone calls and letters that looked like fraud. When I contacted Citi they only told me my current card was paid as agreed and I didn't owe a thing. Recently they finally agreed to send me my statement so I could confirm the transaction, when I did they posted all interest and late fees from when I spent the money and refused to take {$100.00} in fees from a {$20.00} mistake purchase to settle the account. Recently they started reporting the account aggressively and only offered a call from their executive team within 15 business days. With no way to resolve until this department contacts me I am not sure why they are posting all of this negative information over a {$20.00} dispute.
Product: Checking or savings account

My Wells Fargo banking/checking account that is my primary ( where most of my funds are ) was forcefully closed on Friday right before the holiday weekend. I attempted to access it at a XXXX banking location on the weekend ( their branches are closed ) and was not allowed to. It prompted me to call a specific support number, I did, the support just told me my account was closed and refused to provide anymore information. They told me to call a specific number on Monday as theyre closed on the weekends ( not even sure if their guidance was accurate as Monday is a holiday ). I asked so I have no access to my money, you cant give me a reason why, and theres no way for me to get this resolved now?, to which they responded yes exactly.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

Date : XX/XX/year> Subject : Formal Complaint Against Bank of America for Withholding Cleared Funds and Improper Account Handling To Whom It May Concern, I am filing this formal complaint against Bank of America for its improper freezing and attempted forfeiture of {$110000.00} that was returned to one of my previously closed accounts by XXXX Bank. The conduct of Bank of America in this matter constitutes bad faith, unjust enrichment, and wrongful retention of funds. 

Summary of Events : On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) returned {$110000.00} to my former Bank of America account ( ending in XXXX ), despite being explicitly instructed not to do so. 

Bank of America accepted the funds into this closed account, which I had previously been told would be handled and followed by a certified check to me once the account was officially closed. 

Instead, on XX/XX/year>, I received written notice from Bank of America stating : The account is closed. 

The funds will not be returned. 

They are freezing the funds under internal review. 

They intend to return the funds back to XXXX XXXX  citing the original ( now discredited ) forged/fraudulent designation. 

Why This is Improper : There is no fraud or dispute. I have provided a sworn affidavit from XXXX XXXX, the check issuer, affirming the legitimacy of the original transaction. 

XXXX corrected the fraud claim and intentionally returned the funds. 

Bank of America has no legal basis to hold or return these funds, which belong to XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 

Legal & Financial Impact : Bank of America has unlawfully retained {$110000.00} that rightfully belongs to XXXX XXXX XXXX XXXX. 

I am now in a situation where neither bank will release the funds, leaving my business exposed to financial hardship. 

Bank of America is engaging in behavior that rises to the level of conversion and unlawful possession, in potential violation of consumer protection and banking laws. 

Relief Requested : Immediate release of the {$110000.00} to the correct account per my original instructions. 

Regulatory investigation into Bank of Americas handling of this matter. 

Financial penalties and enforcement actions for any violations found. 

I have attached all relevant correspondence, including the official letter from Bank of America and prior instructions to XXXXXXXX XXXX I respectfully request that this matter be treated as urgent. 

Sincerely, XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to place a security freeze on my account online. On their freeze site, Equifax states that " We can't complete your request at this time. Please call the Customer Care team XXXX ''. 

However, when calling I am routed through the automated identity verification, left on hold for ten minutes, then hung up on. This has occurred three times today. XX/XX/2020. 

I am concerned that someone may have access to my information and I am unable to do anything about it.
Product: Checking or savings account

Wells Fargo posts transactions out of order and mobile app is not updated correctly even customer service reps are confused and say not to use overdraft privilege since they themselves can't understand the changing of dates on transactions.
Product: Debt collection

I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation. 
The information in this ID Theft Report is Clearly LEGIBLE. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification. 
I have NEVER had a student loan for ANY School. I have Repeatedly Contacted Department of EDU. And NAVIENT concerning these accounts THEY ARE NOT MINE. 
My wife Does have student loans I DO NOT.
Product: Credit card or prepaid card

I have a balance on my XXXX XXXX American Express card of approximately {$10000.00}. I have been late on payment in the past, but not severely late. I now find out that they are charging me 29.9 % interest on my remaining balance. That rate far exceeds the criminal usury rate in New York as provided in XXXX XXXX XXXX XXXX. 

I called XXXX in the hope that they would agree to some reasonable rate of interest until I could pay of the balance. They declined to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX my only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XX/XX/XXXX. My SS is XXXX please remove any variation of my name and social security or DOB. I have have some issue with fraudulent addresses and incorrect information on my credit report. I need the following addresses removed : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Money transfer, virtual currency, or money service

I was contacted by a fraudulant email ( XXXX ) pretending to be a XXXX  They explained they had changed banks and asked me to change the direct deposit information to their new bank. I didn't realize it was a scam and, on behalf of the company XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX in Minnesota ) changed the direct deposit info and deposited {$6200.00} into the account they gave me ( Bank Name : XXXX XXXX, Routing Number : XXXX, Account Number : XXXX ) using Wells Fargo 's " Direct Pay '' payment function. 

I contacted Wells Fargo and they refused to reverse the charge, initiate an inquiry or provide any recourse of any kind. A payment tool managed by Wells Fargo should have some form of recourse or assistance associated with the tools that we pay for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX there is a XXXX XXXX XXXX reporting {$7900.00} reporting incorrectly XX/XX/XXXX XXXX XXXX reporting $ XXXXopen and closed with the other credit bureaus reporting incorrectly and two hard inquiry Jpmcb credit card service and XXXX XXXX XXXX XXXX that doesnt belong to me and also several addresses and my name missed spelled reached out to the credit bureaus and creditors to have these items removed no response in over 30 days and Im being affected by XXXX  my scoring has changed
Product: Debt collection

I recently obtained a copy of my credit report. Lockhart Morris & MO continues to violate my rights according to Fair Debt Collection Practice Act. Also this company is in voilations according to 15 USC 1692. This defaming my character which is a violation of 15 USC 1692d. I have attched a copy of my FTC and my license.
Product: Debt collection

On wed XX/XX/19 I received a call from a person named XXXX XXXX saying she was the director of operations for for the offices of civil disputes. she stated her affiliated attorney had been trying to reach me ( no contact ever with any attorneys ) and she said i had not responded in the compliance period. she then said her fellow mediation division has been retained has not been able to communicate with me regarding case # XXXX and the rest is basically I better call right away. 
I called and they would not answer any questions or say who the firm was, i finally got out of her that I had a debt and they were going to take me to court to retrieve it. I quickly checked my credit reports and found no such debt. Today I got a call from a local number that when dialed went to this firm who I tricked the person answering into giving me the name. ( XXXX & Weber or Grant and Weber ) ( they are using spoofing phone numbers to trick people, the first call came from Delaware ) when I asked for this XXXX, a man picked up this time and was very rude and made fun of my name numerous times with changing his tone of voice in way to make himself sound effeminate when saying it. He said I had a dept from 7 years ago and they were filing in XXXX county to sue me unless I paid. when i told him over and over I do not have a debt he threatened me with filing a 1099c with the IRS so they audit me for 5 years! 
I know in Florida even if I had such a debt the statute of Limitations is FIVE years so this is in my opinion is bogus and just bad practice in harassing me. attached is a screenshot of the Voicemail she left, i still have the original vm audio too
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Received a debt collection letter in the mail for {$5000.00} from I.C. System Inc. for XXXX XXXX. Reached out to I.C. System Inc. Stated that this was not my debt. Answered a few questions regarding having ever opened an account with XXXX XXXX, cosigning, or if I was aware of any data breaches that contained my information. The representative stated that this was likely a case of identity theft and fraud and directed me to a link for XXXX XXXX fraud department. The only information I was able to gather from the representative was the date the account was open. XX/XX/XXXX. I was also told that this debt would show on my credit starting XX/XX/XXXX. 

I did attempt to call XXXX XXXX with the account number provided on the collections letter. But the account is pin protected, the representative directed me to their claims department. The claims depart uses an automated voice system and I could not speak to a representative. 

I filled out an Identity Theft Claim on XXXX XXXX website and downloaded the Identity theft victims complaint affidavit forum. The forum is asking for personal information, including filling a police report. I attempted to file a police report, but was unable to do so as it does not show on my credit, and I am unable to get detailed information from the collections company, or XXXX XXXX. I have no information about this debt outside a number amount owed. 

So far, the steps I have taken. Froze my credit and placed a 1-year fraud alert with all four credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent account. I do not have an account with Convergent Outsourcing. They have no authority to collect on this account. This matter has been taken care of with the original creditor. There is no contract open or account assigned to Convergent Outsourcing. This account is reporting fraudulently and needs to be removed from my credit file immediately. Sprint was paid directly and agreed on a recorded line to recall the debt and accept payment directly. Sprint informed me that paying Sprint directly for the full balance would terminate Convergent Outsourcings collection authority and this account would be removed from my credit file. I have submitted previous disputes stating this along with proof of payment directly to Sprint. Ive also sent a direct dispute to Sprint which they have not followed up on. This account needs to be removed immediately.
Product: Mortgage

Why haven't I received a letter in the mail that the forbearance was cancelled? 

On XX/XX/XXXX at XXXX CST I spoke with XXXX XXXX XXXX She submitted the request for the forbearance to be cancelled. 
On XX/XX/XXXX at XXXX CST I spoke with XXXX - he confirmed that the forbearance was cancelled and I would be receiving a letter. 
On XX/XX/XXXX at XXXX CST I spoke with XXXX XXXX XXXX he confirmed that the forbearance was cancelled and I would be receiving a notice in the mail. He also told me I a supervisor would call me back. Why didn't a supervisor call me back? 
I also was assigned a SPOC who never replied to 8 emails or called me as requested many times. 

Where is the official letter of cancellation of forbearance? Why have I not received it? 


I did not want a forbearance and was forced into it. On my other complaint Complaint id : XXXX you confirmed that the forbearance was cancelled. Where is the physical letter to be mailed?
Product: Mortgage

We refinanced with loan depot in 2021. My first payment was due on XX/XX/XXXX which I made, but there was an issue with them applying the funds correctly. When I noticed the issue on XX/XX/XXXX, I submitted a secure message to loandepot asking for them to look at my account. They advised me at that time I should not make partial payments ( every two weeks ). I agreed I would not do it again and they replied to me that they posted my payments for XXXX on the XXXX. They stated my next payment due was for XXXX XXXX. I have been paying on time on what i thought was current payments this entire time. Fast forward to XXXX, where I receive an email from loan depot that they now accept partial payments. I did partial payments, come to find out they did not accept them unless you were two months ahead. I start getting collections calls because they said I was 2 months behind which is not the case. I was treated horribly and lied to by one of their reps. They told me I had a escrow shortage and my payment would go from XXXX to over XXXX and the lady was awful on the phone when I asked for proof. I then talk to a manager who says you do not have an escrow shortage she lied to you. Then I find out that they never posted my XXXX payments correctly and had me reflecting as delinquent for XXXX. I then get a check back in the mail for {$670.00}, I called and had it posted to my account immediately and I was advised someone would keep an eye on my account, so it did not get posted negative to the credit reporting agency. I escalated the issue with my XXXX payment, and I keep getting push back from the company saying I never reached out which is not the case. Had they fixed it correctly like they stated to me I would not have been a month behind this entire time. Now they are refusing to help fix the issue, and I have no idea where the {$1300.00} I paid to them in XXXX got applied. We had a ton of issues at closing too that they attempted to resolve but we were so frustrated we just gave up. This experience has been nothing short of a nightmare. I want them to fix my XXXX Payment, and i want the negative reporting removed from my credit and my husband 's credit. I should be reflecting due for XXXX and that needs fixed.
Product: Credit card or prepaid card

I closed my Capitol One credit card account early XXXX and paid it off on XX/XX/30. I paid the entire balance of {$1700.00}. Now they are charging me interest of {$29.00} on a XXXX balance.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and discovered invalid personal information along with fraudulent Collection account named : XXXX XXXX XXXX opened XXXX in the amount of {$450.00} which is inconsistent with its reporting across all XXXX credit bureaus and several inquires appeared on my report. I have contacted the company to remove it and sent them my UNITED STATES POSTAL POLICE report and FTC XXXX has been several months and I haven't gotten anything from the company as requested for the Debt Validation showing what application that has my signature applying for credit from them and authorization to access my file. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two bankruptcies reported by XXXX and one by Experian. Today I received a notification from XXXX stating that they verified the information with the XXXX XXXX District Court. That is impossible since I contacted the Honorable Court, and in writing, they said they dont provide information nor report to Credit Bureaus XXXX I shared this letter with both Credit Bureaus. XXXX insists over the phone and in writing that they verified these two bankruptcies with the court, which is impossible. I need these two bankruptcies reported by XXXX and the one reported by Experian removed from my file Immediately. Specially XXXX is making a FALSE claim that they verified the information with the XXXX XXXX District Court. That is against their terms and agreements and violates the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

the company XXXX XXXX XXXX XXXX .. submitted fake documents as evidence to the state of Minnesota Department of commerce . in order to XXXX for a debt that they claimed i owed. the address unit number amount of the monthly lease and terms was all incorrect. XXXX XXXX failed to provide official documents to validate this debt. its has now been 9 months since me receiving any official documents from XXXX XXXX to back this claim. under the fair credit act. a company has 30 days to validate a debt. after receiving written request from consumer. 9 months later this fraudulent debt is still being reported as verified to my consumer profile. my states attorney office and Minnesota department of commerce currently has a open investigation going against this company on my behalf. after i submitted proof and original documents to the states attorney 's office and the Minnesota department of commerce. my rights under the fair credit act have been violated on so many different levels from this company. by refusing to remove inaccurate and false information that's been furnished to my consumer profile the complaint number i filed with the state of Minnesota # XXXX
Product: Student loan

Great Lakes has my repay date wrong and it needs to be fixed. They tried to collect before the 6 month period was up and reported it on my credit. I have told them before that what ever info they have that caused this was wrong but it obviously was not updated. Also, as of this week I am a part-time student at XXXX XXXX XXXX so that needs to be updated and any further payments defered.