23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was given a USBank ReliaCard that allows me to receive Pennsylvania Unemployment Insurance funds weekly as a result of Covid19 impact to my ability to work. I have two complaints about this Bank that have required extensive time to get a response from the USBank. My complaints : 1. REMOVING AND WITHHOLDING FUNDS ( {$1500.00} ) from my card and informing me that there was fraudulent use of my account. They have NOT redeposited  these funds back into my as of this date ( XX/XX/2020 ). I discussed this issue with the Customer Service Department the first week of this month.

2. HARRASSMENT OF THE CUSTOMER by requiring you to hold on the phone for at least hour before they connect you with a CS Representative ( CSR ). That CSD, after certifying that you are a customer, then transfers you to another CSD. I have been  DISCONNECTED by this second CSD 5 times in contacting this company over the last several months. I am required to start the process again again and wait for at least one hour until another CSD answers validates my name, etc. and hands me off to another CSD.

3. SENDING LETTERS WITHOUT BANK IDENTIFICATION : I have received several letters from Cardholder Services. These letters have the first four and last four numbers of my Debit Card and additional information. Two of them identified that there was  'fraudulent use ' of the card. No information about when these situations occurred.
Product: Debt collection

XXXX XXXX XXXX is a closed account that was charged-off. The account is reporting a balance of {$300.00}, which is accurate since the card 's limit was only {$300.00}. However, LVNV Funding/Resurgent, the collection company on this account, is reporting a balance of {$690.00}. This is more than double the original balance! I disputed the amount that LVNV Funding/Resurgent was reporting in XX/XX/2019, and no change was made to the balance that was being reported.
Product: Debt collection

I have contacted Capital One on XX/XX/2019 for a financial hardship so that once I get a new job, I will pay back at the normal payment amount. I did not have any late payment for the past 10 years with Capital One. The account specialist said that I could pay a minimum payment of {$50.00} per month for the next 3 months. I agreed with this payment plan. However, the issue was that Capital One report to credit bureau that I have missed the payment even after I have paid the first {$50.00}. Capital One did not explain ( mislead/misrepresentation ) to me what you could get and what they would do from their end. The end result was that consumer credit score will be lower and it will effect to their new job searching, rental, and other financial activity. If a consumer know that the end result was the same ( Credit card company report negative to credit bureau ) then why we have the payment plan at the first place. This kind of practice will harm the consumer more than help the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX  XXXX XXXX have 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, WA, to close my checking account with them. I took my balance in a check over to XXXX  XXXX XXXX XXXX XXXX XXXX and deposited it into an account I had opened on XX/XX/XXXX. 

On Thursday XX/XX/XXXX, I received an email about a low balance notification for the account that I had been assured in person was actually empty and closed. I called XXXX XXXX XXXX corporate and they told me they would take care of it and close the account. I didn't hear from them again until I received a letter in the mail in XXXX of XXXX that the account was delinquent and had been closed. This triggered an entire credit card collapse with XXXX, XXXX XXXX 's, and XXXX XXXX credit cards I had just opened. When I called XXXX  XXXX XXXX they said they couldn't do anything because I hadn't paid low balance fees. There shouldn't have been low balance fees for an account that was deliberately emptied and closed in person at a XXXX XXXX XXXX location, nor should those other credit card companies have closed their credit lines on me due to incorrect information. 

Additionally, the credit report says my XXXX  XXXX XXXX account existed from XXXX, which is certainly not true. I used XXXX  XXXX XXXX as my sole bank account from XXXX, when I closed it and moved over to XXXX.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXX ( original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) was paid in full and communicated to consumer ( myself ) that it would be deleted from credit reports by reporting agency, but still shows on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied at XXXX apartments today XX/XX/20 and when they ran my credit I was told that I did not qualify to rent without a co-signer because there were accounts in negative standing on my credit history. I was confused to hear this because I don't have any accounts with negative payment history or at least that's what I thought because when I checked my credit report I saw two accounts that I never opened. The accounts are from these companies " XXXX XXXX '' & " XXXX XXXX XXXX ''. I never opened any account with these companies nor do I have any written/verbal contract with them and I did not give anyone else permission to open any account with those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not take part in any payments that might have been made towards these accounts. I have filed this report to the best of my knowledge.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling my disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Zelle did adequately check back with me or return feedback or reason for my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair credit reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 USC Section 1681i ( a ) you must complete this reinvestigation within 30days of receipt of this notification.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no fee for this updated report. I request you please send notices of corrections to anyone who received my credit report in the past in the last past year that are not attached to an account. CAN YOU PLEASE SEND ME A WET COPY OF ALL CONTRACT THAT I HAVE SIGNED WITH THAT COMPANY. IF NOT ABLE TO PROVIDE CONTRACT TELL ME THE METHOD OF VALIDATION YOU ALL TAKE TO VERIFY DEBT. 
Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Lending Account XXXX Account Name : Credit Collection Account number:XXXX  Account Name : XXXX  XXXX Account number:XXXX Account Name : XXXX XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX By the provisions of the Fair credit reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 USC Section 1681i ( a ) you must complete this reinvestigation within 30days of receipt of this notification.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no fee for this updated report. I request you please send notices of corrections to anyone who received my credit report in the past in the last past year that are not attached to an account. 
Below are a list of account that need to be immediately deleted. None of the inquires where authorize by me nor are they attached to any open accounts. 


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 consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681 c. ( 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 relation to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Mostly importantly they are not in compliance with metro credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I went into my bank to refinance my vehicle. I found out that the XXXX pulls my credit from XXXX. XXXX  has outdated information reporting to my file. In XXXX of this year, I purchased a new home. The three national credit reporting bureaus, XXXX, XXXX  and XXXX  was used. I had an issue with the XXXX XXXX XXXX XXXX posting to the bureaus. I received a letter from them to update my credit report recently. I've been checking my report regularly and don't have any collections on it. XXXX is still posting some outdated and/or inaccurate information on my credit report that is hindering me from getting an approval to refinance my vehicle at a lower interest rate. I was contacted by the bank representative noting that there is something on my account that disallow the refinance approval. I was told mainly that my home that I purchased on XX/XX/2018 is not showing up on my account. The bank representative left a message on my phone noting that something is showing up on my credit report by XXXX. This is the third time that this bank has denied me an approval for information stored on the XXXX report. XXXX  is not sending me a report so that I may dispute any inaccuracies pertained on it.
Product: Debt collection

I returned modem/router to XXXX XXXX 1 1/2 to 2 1/2 years ago but have maintained their internet service until late XX/XX/XXXXI did so with my own linksys router. The XXXX modem/router ( that I returned ) lacked the security that I required. 

I paid all service fees and thought I was free and clear. 
They claim that I never returned modem/router and that I owe approximately {$120.00} for a modem that they lost. 

In XXXX of XXXX I disputed the non-returned modem. XXXX XXXX launched an investigation and concluded that the modem was never returned ; and I have to pay {$120.00} or give the modem back. 
I told them I was not going to pay for something I returned. They said I left them no choice but to send me to a collection agency. 

In mid XX/XX/XXXX I received letter from Diversified Adjustment Service indicating that I owed {$120.00}. I called Diversified in the first week of XX/XX/XXXX and told them that I dispute the claim. She noted the dispute verbally and said that she would get verification. I explained the situation and that I was not going to pay for a modem./router that I know I returned. I asked her if she would pay if she were in my situation. She responded that they would hold the money as a credit until the issue was resolve. I responded with ; your asking me to trust a company that has already misplaced a their own equipment? No, I am not going to pay for the mistake of somebody else. 

Today, XX/XX/2017 I get another call from Diversified telling me that I owe XXXX dollars. Again, I said I dispute the charges. This time she said that she could reduce the charge to {$70.00}. Again, I said would you pay for something that you knew you returned. She said she might. She knows collection agencies : they will keep calling and will notify credit agencies. I said that was criminal ... That 's extortion. She sensed my anger rising and said goodbye.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has a derogatory account on my report which is reporting late payments, also a balance which by law is illegal. 15 U.S.C code Definition ; rules of construction 1681a ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit employment purposes, and any other purpose authorized under section 1681b of this title ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Also law code 15 U.S.C code 1681b permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I didnt give anyone written consent to allow them to furnish my credit report
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX CARD XXXX XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$400.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1400.00} XXXX  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Mortgage

Sandanter Bank is reporting XXXX line of credit accounts to my report as haveing been late on payments. I have disputed these account with Sandanter and Sandanter has failed to provide the notice of dispute in the required time frame as required by law. I am planning to sue Sandanter Bank in small claims court nearest to me. I am planning to sue for {$5000.00} as explained in attached letter. 
This is a goodwill attempt to solve this issue out of court and without monetary compensation. once i Sue in court i will not settle without momentary compensation.
Product: Credit card

I used 5th 3rd bank 's credit card to charge a part of {$130.00} from XXXX XXXX but I called they right away not to order the part but they refused to refund me, when I ask the bank to dispute the charge they are not helping me not dispute the charge, I like to get the money back because I did not order the part and cancelled the part.
Product: Credit card or prepaid card

During a chat session on my mobile device 4 weeks ago ( Thursday XX/XX/2020 ). One of the Amex customer service representatives cancelled my Amex Card. I did not want nor request this, Besides the fact that this has caused me great irritation as I had my Amex card loaded on most of my travel bookings, I then had to sit on the phone with the representatives for 90 minutes to be told they would let me know in a week if they are reissuing my card.Then I received a letter stating that despite this is American Expresses mistake, my card will not be reissued. They had just charged me 2 weeks earlier {$550.00} for the yearly membership ( taken in advance ), of which I had the possibility to use 3 weeks of 52. Then I had over XXXX points which by their own calculations are valued at between 1c and 2c per point. 

You can see in the attachments they cancelled my card and XXXX 'd my points
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a XXXX XXXX  arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me.
Product: Debt collection

They have somehow contacted my mother although she has no connection to this debt and harrassed her calling multiple times per hour. I called them back, they were looking for another name other than my own and I told them to not use this number again to contact me and they told me they would n't and called me an " XXXX ''. The person on the other line is called " XXXX '' and she is extremely unprofessional, rude, lewd, and harrassing. I am being called multiple times per day starting XXXX XXXX up through today XXXX XXXX thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Cfpb. I am writing to you all be side of conflict with Credit Karma. I asked them could I change my email address because I have a new one. They first said Yes. Then they said No. Why. Because I told them we can not expose Our information on line. She would not give me a address to send in information. To the Bureau. She only wanted online openly exposed information sent to Her. I told Her No. I am a anonymous body who work sometimes for law enforcement. She still said No. They will not assist consumers to help change email addresses or anything else private. So I am complaining about this matter and to see if something can be done to get service going again. This should not be a factor at All.
Product: Mortgage

Several years ago, OCWEN Financial assumed XXXX mortgage loans I 'd had for several years with XXXX. In spite repeated calls over the past several years to change my mailing address after having moved almost XXXX years ago, Ocwen has failed to make the change. A year ago, I left my job of over XXXX years and also had to change my email address. Again, Ocwen failed to make this change. In XX/XX/2016, after the death of our XXXX son, I failed to make my normally scheduled payment. When I logged in to make the payment in XX/XX/XXXX, I realized my mistake and used Ocwen 's internal system to make 'emergency ' payments on both of my accounts that would post that day for the amount listed as due. In XX/XX/XXXX, when I again logged into Ocwen 's site ( remember, I get NO correspondence from Ocwen because they have never updated my contact information ), I found out that XXXX of the XXXX 'emergency ' payments had not been posted. I also discovered that the minimum payment on the other account had been quadrupled from roughly {$800.00} ( including taxes and insurance ) to over {$3200.00}. I immediately paid the total amount due on both accounts and called Ocwen 's Customer Service support and asked them to address XXXX items : 1. Only XXXX of my payments had been credited from the month before. I did NOT ask Ocwen to waive the late fee they had charged, but simply asked that no late payment would show on my credit report. I had used their system to pay the total amount owed but only XXXX account was credited with the full payment due from both accounts. The customer service representative told me that he would 'open a case ' regarding the matter, but I have never heard back from the company. 
2. I asked that Ocwen update my contact information. I was told by the representative that, in order to do that, I must submit the changes in writing with my signature separately for each account. I have several mortgage accounts, both personal ( primary residence and income property ) and commercial..I have never had a mortgage holder require a written statement to change an address. Every other lender with whom I do and have done business ( XXXX, XXXX and XXXX Credit Unions, all allow changes to be made online after identity verification. I believe it is incumbent on Ocwen to make sure that customer 's can receive statements, communication and notices. I have since sent in the change of address notices ( by the way, I was told that separate written notices must be sent for physical mailing address change and email address change ), but there is no indication on the website that the changes have been made. 
3. I asked that the minimum payment on my mortgage loan be re-instated to the original agreement. The death of our son was an extraordinary circumstance and our loan has been in good standing for many years. I believe that accelerating the amortization schedule on the loan for XXXX late payment is opportunistic and predatory behavior on the part of Ocwen.
Product: Money transfer, virtual currency, or money service

Hello. 
I am an XXXX  XXXX  studying in XXXX for my XXXX. 
I recently made a an international transfer of XXXX euros to XXXX through remitty. 
The transfer number is XXXX XXXX XXXX XXXX I later cancelled the transfer as the amount was on hold and later closed my account. 
It's been so many days and I have not received my transfer to my account. 
I contacted the Remitty customer support and they told me that the amount was refunded from their side and I should enquire my XXXX XXXX  which I did. The XXXX  told that they have not received any funds. 
Please take necessary action towards this so that I can get my amount back as I am a XXXX  and have high dependence on the money. 
Please contact the Remitty team and get my money of XXXX XXXX  back as soon as possible. 
Thanks