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

I hope this compliant finds you well. I am writing a compliant to express my deep concern regarding Early Warning Services ' refusal to dispute negative items from my banking history and the subsequent hindrance I have faced in opening new accounts. 

As a responsible consumer, I believe in maintaining a good financial standing and adhering to my financial obligations. However, I have recently discovered that there are negative items associated with my banking history that are being reported by Early Warning Services. These negative items are inaccurately reflecting my financial behavior and are hindering my ability to open new accounts with other financial institutions. 

I have made numerous attempts to dispute these negative items with Early Warning Services, providing supporting evidence and documentation to prove their inaccuracy. However, to my disappointment, Early Warning Services has continuously refused to address my concerns and rectify the situation. 

This refusal to take action not only affects my ability to establish new banking relationships but also damages my creditworthiness and financial reputation. It is essential that accurate and fair information is reported by credit reporting agencies to ensure a fair assessment of an individual 's financial responsibility. 

I kindly request that Early Warning Services reviews my case once again and initiates a thorough investigation into the negative items reported on my banking history. I expect a prompt response and resolution to this matter, as it is crucial for my financial well-being. 

XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX  XXXX : ACT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX XXXX XXXX : ACCT XXXX
Product: Credit card

For the longest time I have been paying my Fortiva credit card and I noticed it never ever changed. They were just taking my payments and I found it strange nothing was updating. I was going through a rough time so I could only pay the smallest amount possible. A few days ago I message them asking when am I going to be able to use my Fortiva card again and they had the nerve to tell me I CAN NEVER USE MY CARD AGAIN AND THEY CLOSED IT LAST YEAR. They never thought to let me know?! Because I was never told that they would be doing that to me! I have steadily been paying this card off thinking Im going to have use of it for them to just play in my face - that is NOT cool or fair!
Product: Credit reporting or other personal consumer reports

I have had many, many problems with Mohela since they transitioned to a new platform in XX/XX/year>. Their ongoing failure to report the payments I have made for XXXXXXXX XXXX is only one of the many problems I have experienced. Since their transition to a new platform in XXXX, Mohela has not reported to XXXX the payments that I have made on my loans, 2 of which have been paid in full and have been closed, yet still show balances on my credit report months later. I have filed multiple disputes with XXXX, first in XXXX then in XX/XX/year>, but nothing has been corrected despite proving to XXXX that these loans were paid off by sending them my payoff letters, because they say they can not update my credit report, only Mohela can do that, and they haven't. I have reached out directly to Mohela many times and was told they would expedite my request, but that I was not allowed to speak to the people who actually do the credit reporting, so all they could do was put in a request and ask for it to be expedited. As I am typing this I am currently on hold with them and have been for over 2 hours now.
Product: Debt collection

I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, credit, and the emotional turmoil I have endured due to this matter. 

XXXX XXXX - XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX - XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I implore you to ensure the resolution of this matter within the legally mandated XXXX timeframe. I trust that you will act in accordance with the law. I am writing to dispute certain accounts on my credit report that I believe are the result of identity theft. After thoroughly reviewing my credit report, I have identified several accounts that do not belong to me. 

I have already taken steps to report this identity theft to the relevant authorities like the FTC.
Product: Mortgage

Please reference the previous 3 closed cases. 

I am applied for deferment of mortgage payment last year during the COVID pandemic. After which, Wells Fargo has consistently to the consumer and CFPB that they have resolved the issue by deferring the payment to the end of the mortgage. This is not a loan modification. Each time, they did not honor their promise and commitment but lied to CFPB that the deferment has been approved and processed. They turned around and said that because of my Chapter XXXX bankruptcy, a court approval is needed and they needed my consent to speak to my bankruptcy attorney. 

Please see Exhibit A - a letter from Wells Fargo dated XX/XX/XXXX acknowledging that they had received my signed consent on XX/XX/XXXX. 

Please see Exhibit B - a letter from Wells Fargo dated XX/XX/XXXX indicating that the deferment has been approved and asking me again to sign a consent for them to communicate with my bankruptcy attorney so that they can obtain court approval despite the fact that they had already received a consent on XX/XX/XXXX as mentioned in Exhibit A. 

An executive representative also indicated to me on numerous occasion by phone that they have submitted all the information for court approval. On XX/XX/XXXX, I reached out to the paralegal of my attorney to inquire whether they had received any correspondence both in writing or by phone regarding the process of obtaining court approval. The attorney 's office indicated that they had not received any indication that there is a filing for court approval for the deferment. My attorney also indicated on a loan deferment does not require court approval. I called Wells Fargo on the very same day on XX/XX/XXXX to ask them to provide proof of court filing by end of business date of XX/XX/XXXX and as of today XX/XX/XXXX, I have not received any written or verbal communication. 

My account is still showing as delinquent. The issues at hand is that Wells Fargo has deceived the consumer and CFPB on numerous occasions ( see all three previous complaints regarding this matter in my account ) and each time, they had convinced CFPB that the issue has been resolved. It is time for CFPB to enforce the law and to hold Wells Fargo accountable for their deception by leveraging a fine and disciplinary action against Wells Fargo to the full extend of the law.
Product: Debt collection

I was involved in a malicious wounding crime in XX/XX/XXXX that resulted in numerous medical bills. The judge ordered all medical bills to be paid by the guilty party. The bills were being charged to the victims protection fund at the time and being paid by them and then ultimately charged back to the guilty party. This bill was charged to me and was still paid by the victims protection fund, but sent to collections in XX/XX/XXXX and still shows on the collections portion of my credit report. This debt was not mine and was still paid. It should have never been sent to collections and should have never been assigned to me by law.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Huntington National Bank regarding the delayed release of funds belonging to my late brother, XXXX XXXX XXXX XXXX. Despite following all required procedures and submitting the necessary documents, the bank has refused to release the money. 

Details of the Case : My brother, XXXX XXXX XXXX XXXXXXXX XXXX XXXX citizen, passed away on XX/XX/year>. He had a personal account ( No. XXXX ) with Huntington National Bank, XXXX XXXX, with a balance of {$24000.00}. The bank requested legal documents to process the claim, which we provided in full. The case number given by the bank is XXXX. Documents Provided : On XX/XX/year>, I visited the XXXX XXXX in XXXX and submitted the following documents : Death Certificate of XXXX XXXX XXXX XXXX Limitation of Inheritance listing the four legal heirs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Division Certificate These documents were authenticated by the XXXX XXXX XXXX XXXX in XXXX and certified with the U.S. Consular Seal. This confirms their validity for legal use in the United States. 

XXXX XXXX : The bank is asking for a notarized affidavit, but in XXXX, notarized affidavits do not exist. Instead, we have provided officially certified documents, which are legally accepted. The bank has lost the documents twice after we sent them via XXXX. To avoid further losses, I emailed scanned copies directly. We provided a legal reference to the Ohio law [ R.C. XXXX ], which allows the release of small estate funds under {$35000.00} without complex legal procedures. Important Information About the Estate : No funeral costs : The XXXX XXXX covered all burial expenses, so there are no outstanding debts. No other assets : XXXX XXXX did not own any stocks, bonds, vehicles, or real estateonly the funds in XXXX XXXX Bank. No outstanding claims : He left the XXXX over 20 years ago, and all clearances with XXXXXXXX XXXX were completed. Challenges for the Family : All four heirs are over XXXX XXXX XXXX, and one is XXXX XXXX XXXX  making it impossible to travel to the U.S. to resolve this matter in person. The bank failed to advise Mr. Fuad to name a beneficiary, which is why this issue has become complicated. Requested Resolution : Immediate release of funds through cashiers checks, divided equally among the four heirs. A six-month validity period for these checks to allow enough time for collection. Direct contact with the general manager at Huntington National Bank to resolve this issue quickly. 

We have done everything required, followed all legal steps, and provided authenticated documents. Yet, the bank is delaying the process by insisting on documents that are not part of XXXX legal system. This has caused unnecessary frustration and hardship. 

I kindly request your urgent assistance in ensuring the bank processes this claim without further delay. 

Best regards, XXXX XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX XXXX
Product: Money transfer, virtual currency, or money service

Due to an issue with a third-party provider, Capital One did not process my {$1800.00} paycheck in my Capital One 360 Checking account ( money deposit from my employer ) on time on Friday XX/XX/XXXX, XXXX it is always available by Friday XXXX on the payday and should have been available at that time on Friday XX/XX/year>. However, I could only access my paycheck later into the night that day. I tried contacting Capital One via their chat system ( only their automated robot was available and unhelpful ) and then via phone where I couldn't get through anybody on the phone ( it said the wait was over XXXX minutes ). Capital One only took the measure of notifying their customers of the issue and said it would remedy any impact it had on the customers. However since it was impossible to reach out to them, they put their customers in a situation where their paychecks was not available and no other resources were put in place.
Product: Checking or savings account

On XX/XX/XXXX, I opened a Chime account with a {$500.00} deposit. My intention was to use the account as an emergency account. I attempted to log into the account via the app the week of XX/XX/XXXX to find a notice saying my account was closed. I called on XX/XX/XXXX and was told the account was closed on XX/XX/XXXX, due to inactivity and the funds were sent to the California XXXX XXXX XXXX XXXX. I checked the Unclaimed Property site for the California XXXX XXXX XXXX XXXX and the funds were not listed. I was placed on hold for more than 20 minutes while the representative spoke to the Escalation Department before I was disconnected. On Tuesday, XX/XX/XXXX, I called back and I was told the funds were returned to the bank where I made my original deposit transfer on XX/XX/XXXX. This is incorrect and the funds are not with the original transfer bank. Currently, the funds are unable to be located by Chime.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, 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. 




XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  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: Debt collection

I do hereby request that this office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. I do not know of this debt Please provide me with the following : 1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and 7.Your license numbers and Registered Agent CREDIT MAMAGEMENT COMPANY {$160.00}
Product: Credit reporting or other personal consumer reports

I opened an online savings account with Laurel Road ( a part of Key Bank ) on XX/XX/23. They approved the account right away and prompted me to deposit the money. I had to wait for them to approve my husband as a joint account holder, and it took them 11 days to do so. Nobody ever questioned our identity at any point during that process. Once he was approved, we sent them the money from another bank. Right away, they froze our online access and would not even give me the reason why. I continuously tried to find out when I would be able to access our account, especially considering that I could not even see if our transfer went through. They denied me access and would not disclose their reasons for blocking me from my online account or give me a timeframe when I could gain access to my own money. 

In the meantime, I did some research on this bank and found hundreds of complaints about this shady practice that followed the exact same scenario. This bank would arrest their customers funds for weeks or even months at a time. Right away, I demanded, via chat with the bank, that my account be closed and our money returned to us. The chat transcript that I saved clearly shows that I was the one closing this account even before there was any money in it. 

They did close my account but sent me a letter saying that it was their initiative, and they reported negative information to the consumer reporting agencies. I was not worried at the time since I did nothing wrong and was not expecting this bank to report anything of that sort. As I just found out, when applying for a checking account with a different bank, and was denied, that apparently, Key Bank reported identity fraud, which is an outright lie as it has never happened. They never even tried to verify my or my husbands identity. This reporting is outrageous, and damaging, and seems to be done with malicious intent to damage my record. The only fraud there was their own when they arrested our money under the pretense of " reviewing '' the account, for some reason even their representatives could not explain. 

This banks shady practice should not be permitted as they trick their customers into giving them money, and right after the transfer, they block online access to that money.
Product: Student loan

In XXXX of 2020, I applied for a new payment plan for my student loans with Nelnet. My payments were made to be smaller and paid later. I confirmed this with Nelnet. On XX/XX/XXXX of 2020, the amount of {$110.00} was taken out of my bank account by third party XXXX XXXX  XXXX. I had never seen it before and the amount doesnt match up with the amount that my payments to Nelnet would be. I contacted XXXX XXXX  XXXX and they gave me the contact info of the servicer that withdrew from my account. I was given an email, XXXX, and their phone number, XXXX and have sent countless emails, and still have received no reply. Im worried that I may be getting scammed.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX account has not been reported since I refinanced back in XXXX. Ive called XXXX XXXX multiple times about the issue with no response. I finally spoke with someone today XX/XX/XXXX and I was told the credit reporting will be turned on but its not guaranteed the account will report to the credit. I refused to pay my bill until the reporting started, I want credit for all of my payments that I am making. From the time I refinanced to now. I pay XXXX a month, my first call was back in XX/XX/XXXX. I contacted equifax today and the represented also submitted a dispute to XXXX XXXX about the issue,
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Debt collection

XXXX XXXX XXXX XXXX, as shown in Attachment of this complaint '', received a form from the Company alleging that Consumer owed a debt. Company violated 15 USC 1692c ( a ) - Communication in connection with debt collection. Defendant violated this code because it states in this subchapter : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Consumer did not give prior consent to company to communicate with him about any debt. Company did not receive express permission of a court of competent jurisdiction to contact Consumer about any debt. Company also violated 15 USC 1692j ( a ) - Furnishing certain deceptive forms. Company violated this code because it states in this subchapter : It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Company form that was received by Consumer is defined as a deceptive form as described in this subchapter because the said form created the false belief in the Consumer that a person is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Company finally violated 15 USC 1692e ( XXXX ). Defendant violated this code because it states in this subchapter : The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. As shown in Attachment of this complaint '', company form clearly shows the name of XXXX XXXX XXXX XXXX, which according to this subchapter is not the true name of the debt collectors business, company, or organization.