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

I noticed a $ XXXX monthly account fee on my statement from XX/XX/19. I contacted customer support who told me the error was that I did not have a deposit of at least {$25.00} in direct deposits. I told the CSR that I did have {$18.00} deposits on XX/XX/19 and XX/XX/19, and she agreed that I was correct after arguing with me. She escalated the issue to supervisor, after a 30min investigation with supervisor, instucted me it was my fault that the deposits were not a single deposit of at least {$25.00}. I told them that I have had 23+ previous statements without a problem, and that this is a error on the banks side. They told me there was nothing they could do and hung up. 
I called back and was hung up on a second time. 
On the third call the bank agreed to refund the {$3.00} and told me they would not do it again in the future. 
The policy listed on Wells Fargo website indicates that multiple direct deposits are OK as long as the minimum total amount is reached. I have attached this screenshot to this report.
Product: Debt collection

This company is saying I owe them but I dont even know this company they tried to say I owe almost 4000 but its been proven they was wrong reason it was remove off my credit if I knew who or where this company was Ill would pay but never heard of them either company
Product: Mortgage

Please see letter dated XXXX/XXXX/15. My mortgage for acct # XXXX is auto draft each month. I paid XXXX XXXX XXXX XXXX tax XXXX/XXXX/15 from my checking account at Bank of America. I also paid said tax to the same school district, the same time for XXXX other accounts, no problem with the taxes paid for properties : XXXX XXXX XXXX XXXX XXXX Texas XXXX and XXXX XXXX XXXX XXXX Texas XXXX. 

Bank of America in XXXX 2015 started an escrow account and funded it with part of my loan payment thereby making my XXXX and each month after late. Please see list enclosed. 

This is affecting my ability to get a loan, Bank of America turned me down for a loan citing late payments on my credit report that they refuse to remove even though they wrote me a letter saying otherwise. I would like the bank to fix this immediately and post a letter at all credit agency and mail me the same letter certified for my files.
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 Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX violated my rights. 
XXXX Account # XXXX has violated my rights 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 an 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 conviction of crimes which antedates the report by more than seven years. 
15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

While looking at my credit report i have notice inconsistencies with the information all three credit bureaus have. As you know, this is NOT allowed under my rights and also a clear indication that this information was Not properly verified upon you receiving it. XXXX XXXX XXXX has a BALANCE DEBT OF XXXX while XXXX XXXX HAS A TOTAL DEBT BALANCE OF XXXX. I need help!!!!!! MY CREDIT REPORT ON ALL 3 CREDIT BUREAUS ARE NOT CORRECT THERE ARE COLLECTION ON XXXX, XXXX and XXXX THAT ARE NOT MINE AND ARE INCORRECT AND DIFFERENT. THIS IS NOT POSSIBLE AND BECAUSE OF THIS INCONSISTENCY, PLEASE DELETE THE FOLLOWING ACCOUNT FROM MY CREDIT PROFILE IMMEDIATELY. ACCORDING TO THE 15 USC 1681 LAW, THERE SHOULD NOT BE ANY DAMAGE ON MY REPORT IS A DEFAMATION TO MY CHARACTER.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX XXXX XXXX XXXX XXXXXXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Checking or savings account

On XX/XX/XXXX i recieved an email that i was going to receive a card that i did not request. On XX/XX/XXXXi received an email that the card was on its way and i had no idea what it was talking about. OnXX/XX/XXXXi got a card in the mail and im afraid i will be charged fees on a card that i did not apply for
Product: Credit reporting or other personal consumer reports

Dear UNITED REVENUE CORP I am writing to address the issue of UNITED REVENUE CORP furnishing information that is tarnishing my creditworthiness. It's imperative for both parties to operate in good faith. I have operated in good faith and will continue to do so. I expect UNITED REVENUE CORP to demonstrate the same courtesy. Im going to take the time to educate UNITED REVENUE CORP on consumer laws since UNITED REVENUE CORP is causing me direct harm as well as violating federal laws. According to 15 USC 1681a ( f ), the term consumer reporting agency means any person who, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and who uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Did you catch the part about engaging in whole or in part? I sure did. By the federal definition I have kindly provided, UNITED REVENUE CORP is a consumer reporting agency furnishing my consumer information to third parties, including XXXX, which is a consumer reporting agency. XXXX is a m third party due to the simple fact that they a separate entity from me, the consumer, and UNITED REVENUE CORP . Furthermore, since UNITED REVENUE CORP is federally categorized as a credit reporting agency under 15 USC 1681b ( a ) ( 2 ), my written instructions as the consumer must be followed without further delay. The written instructions of the consumer trump all forms of permissible purpose. Let me reiterate, I am invoking my rights under 15 USC 1681b ( a ) ( 2 ). I am giving clear instructions to UNITED REVENUE CORP to delete its tradeline as I never agreed to this tradeline and also being reported innacurate. Furthermore, now that I have educated UNITED REVENUE CORP on its proper legal role as a consumer reporting agency under 15 USC 1681i ( a ) ( 1 ) ( a ), UNITED REVENUE CORP has to launch an investigation into my dispute and disclose the results of the investigation no later than 30 days from receipt of this complaint. Failure to launch an investigation and follow my written instruction will be willful non-compliance under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), and under this provision, I am entitled to {$1000.00} per violation. Needless to say, UNITED REVENUE CORP has racked up quite a few violations. I expect my written instructions to be followed immediately! I am fed up with UNITED REVENUE CORPs actions that are directly affecting my reputation and creditworthiness. Let me remind UNITED REVENUE CORP that we are communicating through a government agency website. Please keep in mind what I said earlier about operating in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Product: Mortgage

CFPB Case XXXX Ocwen 's XX/XX/XXXX response does not respond to the facts and is a continued falsification of the facts. First, Ocwen 's claim of having received our mortgage is FALSE and could not have happened as they claim based on XXXX documentation and facts. XXXX transferred our mortgage to Homeward/Ocwen in XXXX KY and not Ocwen Loan Servicing LLC in FL. Second, we never made any claim to being untimely as the Ocwen letter XX/XX/XXXX claims which is an additional new false statement. Even if Ocwen Loan Servicing LLC in FL and Homeward/Ocwen KY are the same company or affiliates a new RESPA Notice would be required to change the mortgage payment name and address from XXXX different names and XXXX different addresses XXXX in KY the other in FL. I believe the CFPB should compel Ocwen FL to prove they obtained servicing from XXXX in XX/XX/XXXX or leave us alone. Where is the RESPA Notice changing XXXX in TN to Ocwen Loan Servicing LLC in FL? Where are the Transferor and Transferee RESPA Notices showing the same information? The XXXX XX/XX/XXXX Notice and the Ocwen XX/XX/XXXX Notice has entirely different information which means it is invalid and false. I could n't find Homeward/Ocwen in XXXX KY anywhere in the Ocwen correspondence
Product: Mortgage

On XX/XX/XXXX, we had a call with our mortgage loan officer to discuss locking a rate and verbally confirmed that the mortgage rate was 6.875 % with a {$460.00} cost for mortgage discount points in order to get the above mortgage rate. Immediately after the call, we contacted our mortgage loan officer and provided a written confirmation of the mortgage percentage at 6.875 % with {$460.00} for discount points in order to achieve that rate. 

However, on XX/XX/XXXX, we received a preliminary closing disclosure containing values that were not the same as the agreed upon values.The values listed in the preliminary closing disclosure were a mortgage rate of 6.875 % with a {$1000.00} cost for mortgage points. Upon receiving this disclosure on XX/XX/XXXX, we reached out to our mortgage loan officer to clarify why the discount point cost was not the agreed upon value. Our officer responded that she had made a mistake and was going to get it fixed. We were hesitant to sign the preliminary closing disclosure due to the error ; however, she assured us that this would be fixed before our closing date on XX/XX/XXXX. 

We reached out to our mortgage loan officer multiple times to see if the issue had been fixed, but it had not been and she assured us that she escalated the situation. On XX/XX/XXXX, our loan officer stated that she would not be able to fix the mistake and gave us her manager 's name and number to contact. She again admitted fault, claiming she is 'so sorry for the mistake, I can't remember another time in my XXXX year career this has happened ' and 'I would do the same thing if I was in your shoes '. That same day, we reached out to the manager via phone call and texted multiple times, but received no response from him. 

Finally, on our closing date of XX/XX/XXXX, the issue was still not resolved despite multiple calls and texts with the mortgage loan officer. On XX/XX/XXXX during our closing, we finally reached the officer 's manager only due to our closing attorney calling the mortgage loan officer and requesting the manager to address the issue. Per the manager, we were told that the issue could not be fixed despite it being a mistake on their part, which forced us to spend {$570.00} more than agreed upon in order to not break the contract on our house closing. 

Since the closing of our house on XX/XX/XXXX, we have continued to reach out to the manager, who told us that he escalated the case to customer care and provided us the contact information. We then contacted customer care multiple times ( XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX ) via phonecall and email and received no responses. We reached out to the manager again on XX/XX/XXXX to request more information on the case since the customer care would not reply. He said he would reach out and let us know. He has not replied or contacted us since our call. We reached out to the bank branch on XX/XX/XXXX and XX/XX/XXXX to request more information on the case as well as to file complaints and yet, the issue has still not been resolved as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I disputed Portfolio Recovery Associates on my credit report. On XX/XX/XXXX XXXX notified me that it was reporting correctly. It is intact not reporting correctly. According to the XXXX, portfolio recovery associates should be not be reporting my account as a factoring company, and also my account is being reported towards my overall credit card utilization every month even though it is not a credit card which it is a violation.
Product: Debt collection

We purchased windows from XXXX XXXX in XX/XX/XXXX, and paid a deposit of 50 % of the cost. We were charged extra to remove and replace the shutters on the windows. After completion there were several windows that did not have locks and that were poorly installed. Broken glass was scattered all over our yard and not cleaned up. Our shutters were damaged, replaced incorrectly, the paint was scraped and shutters will not close. XXXX XXXX promised to correct all of the problems. They have not. We have made several appointments in which they failed to show up, or did not have the right materials. We took time off of work to meet them. On XX/XX/XXXX we agreed to pay an additional 30 %, and that we would pay for the clean up and the shutters. In the last few months we have been contacted by Recovery One, spoofing my daughter 's, husband 's and work 's numbers. In other words, I have answered the phone expecting my daughter, work or husband, and instead the creditor is on the line. We have asked both the debt collector and XXXX XXXX to stop the calls and yet the calls continue. Today caller ID showed my daughter 's number, and instead " XXXX XXXX '' was on the line. She stated, " We are filing suit against you. Your wages will be garnished. Pay for your windows! Pay for your windows. '' she then hung up on me
Product: Money transfer, virtual currency, or money service

Our parents XXXX XXXX XXXX and XXXX XXXX XXXX resided in XXXX, Fl for over 28 years. During this time they the following Merrill Lynch Accounts : XXXX XXXX XXXX IRAs Accounts ( XXXX XXXX and XXXX XXXX ) XXXX XXXX XXXX Accounts ( XXXX XXXX and XXXX XXXX ) Merrill Lynch XXXX XXXX XXXX XXXX, as XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX XXXX For 28 years ) And Merrill Lynch in New York for over 40 years. 

In the XXXX XXXX XXXX XXXX XXXX Florida, XXXX XXXX Probate File No : XXXX XXXX XXXX XXXX Probate File XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from the XXXX XXXX XXXX and XXXX XXXX XXXX. Sufficient evidence to believe that the executor, XXXX XXXX has breached her fiduciary duty ( Formal notice was never given regarding the Notice of Administration ), fraud with Merrill Lynch beneficiary rights causing severe monetary damages, tax fraud, and causing financial harm to the estate. File a complaint against Merrill Lynch ( XXXX, Fl XXXX XXXX and XXXX XXXX, NY Bank of America, XXXX XXXX  ) for suspicion of elder financial elder exploitation. 


Suspect that a week after father ( XXXX XXXX passes away on XXXX in XXXX, XXXX and mother ( XXXX ) fly to NY to visit her son ( XXXX XXXX. During this three-week visit, is when the suspected exploitation of elder financial abuse, change of beneficiary change, transfer of assets, and or retitling. XXXX Bank of America, XXXX, NY ) Having the convenience of a disbarred NY XXXX XXXX attorney guiding the way for assets to be placed in an irrevocable trust. Our elder, frail, diagnosed with XXXX, using XXXX XXXX XXXX XXXX, and losing her husband of 72 years, was not aware that her XXXX XXXX XXXX XXXX, and XXXX ( for XXXX XXXX, and son would financially abuse her with beneficiary fraud and elder exploitation. 

SonXXXX XXXXXXXX XXXX XXXX, Beneficiary on Will, ( Convicted of a Federal Crime Embezzlement and Misappropriation of funds ) XXXX XXXX XXXX. XXXX, NY, ( XXXX XXXX Supreme Court, XXXX XXXX, XXXX Department, New York, XX/XX/XXXX, XX/XX/XXXX. The investigation has revealed that he has misappropriated and failed to account for funds entrusted to him as a fiduciary. He was disbarred, and his name is stricken from the roll of XXXX and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chambers : XXXX XXXX XXXXXXXX XXXX XXXX Was contacted via telephone by XXXX XXXX on XXXX XXXX XXXX XXXX, reporting suspicion of beneficiary fraud on parents ' Merrill Lynch IRA accounts. XXXX XXXX XXXX stated that she is unable to pursue anything further because his name is not listed on any accounts. 
XXXX had the XXXX beneficiaries on file for over 70 years with retirement accounts and XXXX accounts. The XXXX adult children ( XXXX, XXXX, and XXXX ) XXXX XXXX XXXX beneficiaries are the same and consistent with their Will. 

Thank you for your time and attention to this case. 

Regards, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on XX/XX/XXXX XXXX AND ON XXXX XXXX i was contacted by debt collection company by the name of south west credit systems in regards of a debt .ias a consumer and a natural person i am not obligated to pay an ALLEGED DEBT ..i have asked this company to remove my number from their files cause they have the wrong person ..im demandind this company do not resell this false debt to no other debt collector. THIS COMPANY HAS CONTINUED TO HARRASSED ME ..THIS IS A VIOLATION TO MY RIGHTS AS A CONSUMER ...
Product: Debt collection

XXXX keeps calling my phone to collect money that I owe then I have told them I do not have a job right now and they need to wait until I get a job so I can make payments again I understand its my responsibility to make the payments but I am jobless so I cant when I call them to let them know I can make the payments as soon as I can they ask me personal questions like well how are you getting by how are you getting money to pay bills like that is none of their business I received a loan for {$700.00} on XX/XX/20 right now I owe them about XXXX I would like them to stop making rude phone calls and stop harassing me
Product: Credit reporting, credit repair services, or other personal consumer reports

TO : XXXX  XXXX XXXX OF XXXX XXXX You responded to my previous CFPB complaint and basically ignoring the accuracy of the credit report. I asked you POLITELY to read the attachment below which is my credit report showing the account you report. If you have conducted a reasonable investigation. You should have seen the mistakes of the Date Opened. Why the date Opened on XXXX XX/XX/XXXX, XXXX XXXX XXXX says XX/XX/XXXX. This is very misleading information which you know are errors on my credit report. The banks think this account not accurate. I recommend you delete this error. I can speak with my Attorney General, but I am trying to resolve with you Politely. I advise you to give this matter to your XXXX XXXX so he or she could read the following statement since you failed to do so. I just want to know how you could report to XXXX & XXXX Date Last Reported XX/XX/XXXX, & XXXX XX/XX/XXXX? Like Which Date Is it? Second Violation. You also reported Date Last Active XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. This ridiculous you continuously to break the LAW. They must match across all three which they don't, SO DELETE THIS COLLECTION. READ THE ATTACHMENT & ANALYZE & DELETE DUE TO YOUR CARELSS MISTAKES FOR 2 YEARS
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite sending written requests to the XXXX and Equifax Credit Reporting Agencies, my pleas for proper verification and deletion of erroneous information on my credit reports have been ignored. I previously sent a dispute letter to the XXXX and Equifax Credit Reporting Agencies, but no response was ever received from them. I have obtained and reviewed a copy of my updated credit reports, and it is evident that the Credit Bureaus have disregarded my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which clearly states that the continued reporting of unverified information, without any provided proof within the time allowed by law, is not authorized. 
The following erroneous information is still present on my credit report and has significantly impacted my credit score. I am seeking your assistance in promptly having these items deleted from my Credit File : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance XXXX {$490.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$31000.00} XXXX XXXX  XXXX Balance : {$7100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00}. 
These items have severely damaged my Credit File, and I urgently request that the XXXX and Equifax Credit Reporting Agencies remove these accounts completely from my Credit File without any hesitation or excuses. Your prompt assistance in resolving this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an Amazon prime visa credit card to get a discount on a book. Was supposed to be the only thing ever purchased on the card for {$4.00}. Then after that I changed it back to my XXXX XXXX card. Amazon on repeated occasions billed the Amazon Prime card without my permission. As of today, a card that has been deactivated for months, Amazon tried to make it as my payment method. I have called Amazon and Chase and neither has been able to figure out how do do this. My credit score is down 100 points or so due to this. I have attached a picture from XXXX CST on XX/XX/2020 showing this.