23daVinci/CFPB_Complaints huggingface dataset:
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. Accounts name : XXXX XXXX XXXX opened XXXX XX/XX/2016, Account name : XXXX XXXX XXXX XXXX, Accounts name : XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX Accounts name : XXXX XXXX, Account name : XXXX XXXX has violated my rights. 15 U.S.C 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Block , Inc due to inadequate customer service and unfair practices. These practices violated the Consumer Financial Protection Act. Block , Inc ( Cash App ) failed to timely and or adequately address fraud on their app. Solutions they offered did not meet with the standards required by Electronic Funds Transfer Act and Regulation E. Due to this significant financial loss and hardships occurred and I seek appropriate redress for these violations.
Product: Mortgage

My mortgage with OCWEN Loan Servicing, LLC was paid off XX/XX/XXXX. OCWEN claims a check for the escrow balance was mailed to my home address on XX/XX/XXXX. As of XX/XX/XXXX, I have not received the check. I have called the OCWEN customer service number several times, and all they tell me is the check was mailed XX/XX/XXXX. I 'm attaching a letter from OCWEN that documents that claim. I have always received monthly OCWEN mortgage statements sent to my home address, and yet my escrow balance check has not arrived after 21 calendar days. I live in the same state ( Florida ) as the OCWEN headquarters, so 21 days is more than enough time for the check to arrive through the postal system. I suspect that even though OCWEN 's financial system may indicate the check was mailed, it never was. Had the check actually been mailed, I 'm confident I would have received it. <P/>I understand CFPB has filed suit against OCWEN. Please feel free to contact me as I would be happy to relate the other problems I 've had with OCWEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID TEHFT. I SUBMITTED AN INVESTIGATION BUT THEY MADE A MISTAKE. THEY DISPUTED ACCOUNTS I NEVER PUT UNDER DISPUTE. I DISPUTED CONN APPLIANCES OPENED : XX/XX/XXXX AMT. XXXX YOU CAN SEE THAT ON THE FTC REPORT I HAVE ENCLOSED. 
I DID NOT DISPUTE : CONN APPLIANCES OPENEDXXXX AMT. XXXX CONN APPLIANCES OPENED : XX/XX/XXXX AMT. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, XXXX XXXX 
Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXXXXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Product: Mortgage

Truist bank my current mortgage company is dragging their feet on getting an updated payoff
Product: Checking or savings account

I am the victim of fraud and the charges stem from   XX/XX/XXXX   through   XX/XX/XXXX  . I was in the hospital XXXX  and now in   XXXX   XXXX  . The fees were reversed then reinstated which has overdrawn my account. I am on a fixed income and I am unable to get any resolution.     I am also unable to close the account due to the fact  M & T Bank overdrew the account. They are charging monthly maintenance fees which is f urther overdrawing my account. Please see below I have called and sat on hold for over  30 m inutes on  3 sep arate occasions.   I am a  XXXX   year old  woman with   XXXX   XXXX   XXXX   with my most recent stay in the hospital for a over a month   XX/XX/XXXX   through   XX/XX/XXXX  . I can not handle the stress. I have moved from the hospital to   XXXX   XXXX  . I faxed and mailed the dispute forms necessary to reopen my fraud case. My card # was stolen and used without my authorization. I have never done business with any of those merchants. You have removed my provisional credit and have overdrawn my account. I want all fees reversed.     My next step is to file a complaint with the CFPB and the bank President if this is not resolved immediately.     Sincerely,   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$260000.00} ; XXXX XXXX XXXX Balance Owed : {$58000.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX Balance Owed XXXX {$9600.00} ; XXXX  XXXX Balance Owed : {$430.00} ; XXXX  XXXX Balance Owed : {$6600.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , INc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Elctionic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I paid termination fees to cancel my apartment rental agreement on XXXX to XXXX XXXX, I also paid another months rent XXXX/XXXX/14 as my last months rent. I returned my keys to XXXX XXXX on XX/XX/XXXX and was told my last months rent was all that was owed ( aside from any potential damage to the apartment in the 2 months I lived there - there was none ). XXXX XXXX sent me a bill to collect past concessions ( which was included in my {$840.00} check ) and utility bills while the keys were in their possession and I had vacated. NCC sent me the collection notice in XX/XX/XXXX, I filed a dispute on XX/XX/XXXX and provided documentation of the above referenced check to prove it was paid. I contacted NCC on numerous occasions following up and was never provided with any resolution until after the collection hit my credit. I was told the client did not accept my documentation and that the debt was still due. I eventually paid the debt to prevent any further negative impact to my credit. I 've since then contacted NCC to receive a deletion letter since I have the documentation it was already paid, and a representative from NCC confirmed that the resolution of the collection was not rendered until after it impacted my credit - despite my continued efforts to resolve it prior to impact, as I would have paid a debt I do not owe to prevent such a huge impact. I have exhausted all efforts to resolve this issue and prove the debt was paid and have yet to have anyone point out that the check I paid in the amount of {$840.00} is not included in my ledger with the client. I 've attached a copy of the cashed check that included the concession charge backs they have on their ledger, I 've attached the ledger that indicates ( after a second review on the part of the client ) that I did in fact pay my final water bill - check XXXX of {$44.00}, the final trash, electric and service charges are for a period I was not in possession of the keys and they were in the hands of the client. I was told on the day I moved out and turned in my keys ( XX/XX/XXXX ) that the only other payment to be made would be my final months rent ( paid XX/XX/XXXX ) and any damage to the apartment in my 2 month stay. Not only was XXXX XXXX wrong for pursing the collection, NCC failed to resolve this issue before it impacted my credit - despite my continued efforts to resolve it beforehand. I can provide any documentation needed to resolve this issue. Thank you.
Product: Debt collection

This is regarding fraudulent activity happened on file case number XXXX with AVIO CREDIT about the fraud and sent all the documents through the email ( on Dated on XX/XX/2018, and after that I have repeatedly emailed them, however, ( They don't even care to reply to my emails ) hence no appropriate action has taken place and because of that Derogatory Remarks have been posted on my Credit Report ). I have not taken any loan and I dispute any charges that are associated with it. I have already filed a police complaint when this fraud took palace and a copy of the police report is attached. Cpl. XXXX XXXX and Officer XXXX XXXX have ensured that they will provide any additional clarification or information regarding the investigation. I'm also attaching their contact details.
Product: Credit card or prepaid card

I went to withdraw money at an XXXXXXXX XXXX  atm with my bank of america paycard and I was going to withdraw {$160.00} dollars with the atm charge of {$2.00} it would be a total of XXXX. I received a decline transaction receipt. I thought maybe the atm was having issues so on XX/XX/25 I went to a XXXX atm to withdraw there. I checked my balance to make sure I put the right amount and it tells me I have a XXXX balance. So I went to check my account online and it shows I withdrew the {$160.00}, which in fact I did not. I calls bank of america customer service number XXXX and the ask for my card number to verify my identity then get all the info on my issue, also charging me XXXX because the balance was relayed during that call. Then tell me that they have to transfer me to the claims department, first call I wait 3 hours and finally they answer and I tell him I have been on hold for so long and he hangs right up. I call a 2nd time the next day 2 hours and 54 min wait time and a gentleman answers and I tell him what I am calling about and he says he is placing me on hold and hangs up on me. Third call 3 hours and 20 min hold time and a lady answers gets my card number and verifies my identity and I tell her all about the dispute I want to submit and she tells me that she is processing the claim and hangs up on me. Meanwhile they charge XXXX per customer service call, plus the XXXX cents everytime I call the number where they transfer and this is because the auto system tells me a balance. I am on my fourth call to them now and currently on a 1 hr 45 min wait.
Product: Credit card or prepaid card

On Friday XX/XX/XXXX I made a purchase through the Bank of America XXXX XXXX for a flight on XXXX XXXX to XXXX  on Saturday XX/XX/XXXX with Flight XXXX. My confirmation number was XXXX and it was a one-way flight. I was not able to make the flight and immediately called XXXX XXXXXXXX onXX/XX/XXXX to have the flight cancelled and the refund processed. Immediately I received a " refund received '' confirmation email and soon after on Saturday, XX/XX/XXXX at XXXX AM I received a refund confirmation email. 
After the 7 business days suggested that I would receive the refund to my account I called Bank of America to inquire about the refund status and when it would be processed. I was told that they do not see a refund started by this merchant and to call them. I called XXXX XXXX to confirm the refund and was told it was processed and it is up to my bank to release the funds. I proceeded on to the airlines website to also check the refund status and it said completed. This went on for XXXX  months as I proceeded to call Bank of America every month to inquire why my refund was taking so long to process then they would tell me to call the airline. Both of which I repeatedly did. 
I understood refunds can take some time so I was patient for the first XXXX months as the airline said it could take as long as 30-90  days. However, with no success I am still without my refund. So I then proceeded to call back in XXXX to further inquire about the refund at which point I opted to file a claim hoping to expedite the process. This was all after I was told not to file a dispute in XXXX since the refund was already processed and should be showing on my account soon. 
After filing the dispute I receive an email that my claim status has changed on Friday XX/XX/XXXX only to be told that I have waited too long to file the dispute and the dispute fell outside the timeframes to retrieve the funds. I find this very unacceptable as I have been contacting your institution since the date the refund was processed by the airline and have received no help as a new user of the XXXX XXXX This was my first time using thisXX/XX/XXXXXX/XX/XXXX and ever disputing a claim with Bank of America and it has been the most difficult experience. I hope to get this issue resolved before the end of the year.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian in regards to removing a medical debt collection based on the recent CFPB ruling that bans those debts from being reported on your credit report. 
I also want to highlight that Experian failed to complete and provide a thorough investigation and I believe that I am victim to their SHAM investigations. I have submitted other disputes through Experian and always receive the exact same generic results. Please help me. I am trying desperately to fix my credit that resulted from a previous marriage and Experian is making it nearly impossible.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platforms, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

portfolio recovery refuses to provide a paid debt letter after being paid the full collection the amount was {$2900.00} and they stated I should pay {$2000.00} and they would properly recorded with the credit agencies- to date they show a balance of {$840.00} though the debt was paid for {$2000.00} so it should be a XXXX balance. 
upon calling the XXXXXXXX XXXX XXXXXXXX advised they own the debt but portfolio recovery is reporting it as their debt on my credit - XXXX olcese rep states she can't do anything about it because i filed a dispute which I did not. portfolio recovery or weber olcese filed an internal dispute and refuse to provide me with a receipt and a paid debt letter for my mortgage company.
Product: Debt collection

I am a victim of identity theft, someone has used my personal information fraudulently to open accounts using my social security and my identification. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. Item resulting from the identity theft that should be blocked. Here is the name and the amount they claim I owe them. This information does not relate to any transaction I have made : JPMCB CARD Acct # : XXXX Balance : {$81000.00} According to what the FRCA says the credit bureau and the creditor have 4 business days to block and remove this from my credit report. Please block and remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act ( 15 USC s 1681c-2 ) ( a ) Which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few inquires on my report from unknown companies. Please remove these from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint in accordance with the Fair Credit Reporting Act to request your assistance in removing charge off accounts from my credit file. These accounts have been reported inaccurately, which is negatively impacting my credit score and financial well-being. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} I would appreciate your assistance in addressing this account that is still being reported on my credit file with a XXXX balance. I want to bring to your attention that this account have already been paid off in full. Therefore, I kindly request that you conduct an investigation and consider removing this account, as it seems to be having a negative impact on my credit score. Furthermore, I would be grateful if you could provide me with a detailed report outlining the measures taken to rectify the inaccuracies on my credit report. 
XXXX XXXX XXXX  XXXX Balance : {$2200.00} This account has already been paid off, as I was informed that it would be removed once the full payment was made. The balance reported for this account is evidently incorrect and misleading. I would greatly appreciate it if you could promptly provide clarification regarding the reason for this inconsistency. The balance seems to be clearly inaccurate, and I kindly request that you rectify the issue by either setting it to XXXX or considering the removal of the item from my record. Despite my attempts to resolve the issue with the creditors, the charge off accounts remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through credit monitoring service I learned my credit information had changed. When I checked it, I found that Experian incorrectly showed an account " in collection ''. I knew nothing about the creditor and it was clearly an error. I called the creditor and they said they didn't put that on my account. They said Experian has some kind of analytics that matched this account to me XXXX in error ). I filed a dispute and called Experian. They said the incorrect information would stay on my report until they completed an investigation ( up to 30 days ). That is an inexcusable amount of time to correct an error on their part that is affecting an innocent person ( ME ). They need to remove disputed information immediately and only put it back once they confirm it, not the other way around. I have now spent over an hour of my time dealing with someone else 's error and nobody says they will compensate me.
Product: Credit reporting or other personal consumer reports

I am writing this with the urgency to bring to your notice a concerning issue related to the presence of fraudulent personal information and unauthorized inquiries connected to my identity. After a review, I have observed that specific accounts and transactions have been erroneously linked to me without my permission. This has caused me great distress and raised serious concerns. Unfortunately, I have fallen victim to identity theft, which has necessitated me to take action and report this incident.
Product: Credit reporting

I got scamed  bya student fo rgiveness company I already reported them to the federal trade commision, they are now possing on my credit report by another name  XXXX  my credit of  XXXX   XXXX  a month, they need to clear that I called them to unmask their scam and I even had to put a flag alert on my credit, they are a false company charging for charges that are illegal and they should not charge since I contacted the department of education and they alerted me a little too late, since the harm was already done
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX || Date of inquiry : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 i sent a dispute letter via certified mail to Equifax with a concern of wrong information being reported on my account and to please prove to me the accuracy of this information, not only was the information inaccurate but i never gave Equifax consent to post this on my credit ... 

Code 1692g- Validation of Debts - Code 1681b- Permissible purposes of consumer reports Exhibit A.. Equifax inaccuracy report for XXXX XXXX XXXX XXXX Acct XXXX XXXX Address is wrong, Amount is wrong, Account number wrong, Exhibit B. The correct Address, The correct Amount, XXXX XXXX Account number. 
XXXX XXXX XXXX XXXX. 

I demand Equifax to remove XXXX XXXX XXXX off my credit report or face penalty by FCRA for damages and Violations..
Product: Credit card

I paid off my Bank of America credit card and they are still charging me XXXX in interest! I called them aand aked how much would payment would be including interest on! XXXX The rep. it would be XXXX which would incluse interest!!!!!!!!! This month they are still charging me interest on balance I paid off!!!!!!! 
When I called the rep today ( XXXX XXXX ) told me the other rep was wrong and I had to pay interest on credit card for 3 month!!!!! That is ridiculous!!!! Never heard of this before!!! I have paid off all y credit cards and have other visa carda and have not had this problem!!!!!!! Only with Bank Of America!!!!!!! 
I paid off a Business Bank Of America and then they cancelled the card for no reason. 
Bank Of America is doing alot of illegal procedures and they need to be held accountable for them!!!!!!!!!