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

I am a payee for my sister-in-law, her social security XXXX benefits go on a Direct Express card each month. In XXXX 2019 {$180.00} in fraudulent charges were put on her card. I immediately called Direct Express. I spoke with the fraud department and they sent out paperwork for me to fill out, I did that and I faxed the paperwork to Direct Express and I received a confirmation that they received it. 9 business days later I call Direct Express to follow through because we still have not gotten credit, they claim they never received the paperwork from me. I've been faxing the company every single day for over 10 days now getting a confirmation each day and we still have not gotten credit. when I do try to call them I either get disconnected or two to three-hour process. All we want is her money. the charges came from XXXX, none of us has a XXXX, none of us have a XXXX account. This money is the only money she has coming in. Thank you. I submitted the original card number that the funds were taken from, we now have a new card with a new account. Thank you again
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

Account XXXX : XXXX 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found that in accordance to the FCRA you violated my rights under 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, OR the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 
You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. According to the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DUE TO THESE VIOLATIONS OF MY CONSUMER RIGHTS, I AM DEMANDING THAT YOU UPDATE THE ABOVE LISTED LATE PAYMENTS AS OK OR PAID AS AGREED
Product: Credit reporting or other personal consumer reports

XXXX XXXX & Equifax still showing a balance on a credit card from ( XXXX XXXX  ) that i already paid off. and i need that account deleted from my credit report. As the bank agreed to delete. Thank you. i would greatfully appreciated. i've Gone through a financial Hardship And This Would Help Me With My Credit in the future. Thank You So Much.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX 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: 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 tale timely and effective measures to prevent and address fraud on their platform, 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 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: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the Equifax breach, XXXX XXXX, XXXX XXXX and the XXXX market, I need these to be removed
Product: Credit reporting 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  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX/XXXX  : # XXXX, has violated my rights. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Checking or savings account

KEYBANK CARDS OPS, their mailing address : XXXX XXXX XXXX  XXXX, OH XXXX - XXXX Your new Key2Benefits their copyright R encircled on upper right side of lower case letter s after the word Benefits then below commercial promising advertisement says Secure convenient access to your Alaska Unemployment Insurance benefit payments. To activate the card call 1800 295 2955 I have used this card at XXXXXXXX XXXX XXXXXXXX in XXXX to buy hot chicken wings and pizza minutes later I checked my Keybank Unemployment Insurance checking account using this same particular card it took my {$200.00} dollars, I doubt it was the bar tender. Now, my {$2.00}, XXXX dollars gone with the wind.
Product: Mortgage

I had my real estate taxes reduced by {$1500.00} a year and faxed the copy of the reduced tax bill to Seterus as they instructed me to do on XXXX/XXXX/15 and asked them to analysis my impound acct and make adj. in my payment. No response. I called again on XXXX/XXXX/15 and talked to XXXX and she told me to refax. It would take 7 to 10 business days. Still no response. Called XXXX/XXXX/15 and XXXX told be to refax again which I did. Still no response. Called again on XXXX/XXXX/15 and XXXX XXXX told be she was ordering the analysis of my impound account that day. No response, so I called again on XXXX/XXXX/15 and talked to XXXX XXXX and she said they were working on it. Should have by the end of the week. Still no response, so I call again on XXXX/XXXX/15 and was told it was ordered on XXXX/XXXX/15 would take 4 to 6 weeks, which is past that time period. I still have n't received any response from Seterus as I keep getting the run around am I 'm paying much more each month in my impound account that I need to. Also, the wo n't send me any payment statements as they say that since I filed and received a discharge of my bankruptcy, that they wo n't send me payment statements. That if I want to make payments, I just have to send them a check. I have been on the internet and read other reviews from other customers and this company has to be the worst ever. They should n't been handling people 's funds as you ca n't even find out what they are doing with them. They should be put out of business.
Product: Vehicle loan or lease

Was not given full disclosure, no right of rescission sent to me. Signature added to contract after I received my copy. Was not informed the contract would be securitized and sold. Down payment of cash was required. Request for accounting and w9 denied never fulfilled. I never gave consent for them to share my private information with anyone. They gave it to a tow company and they stole my vehicle.
Product: Credit card

In the process of auditing my credit report, I spotted XXXX hard inquiries from Wells Fargo on my XXXX report from XX/XX/XXXX and XXXX of this year. 

These inquiries are duplicative, and are associated with the same credit application. I did authorize the first XXXX, but not the second one- and theres no reason the second one should have occurred. This is having an undue impact on my XXXX XXXX, which could impact me when obtaining a mortgage ( planned within a year ).
Product: Debt collection

Cavalry Port is reporting I am delinquent on a loan for {$5500.00}. They said the loan was taking out in 2019 when I never took a loan out in 2019 nor any years before or after even close to that amount. They are lying and won't give much information about the loan they claim I owe. They have harrassed me to a point where they wonqt stop calling even when I have asked over 20 times now to please stop calling my phone. They are rude people and they will use a different number each time they call.
Product: Debt collection

Last week I received a call from Remex Revenue Management of XXXX XXXX XXXX XXXX N.J. XXXX. Stating that they was hired by XXXX to collect a Debt. of XXXX at that in formed that I had payed some of that. Then I. was inform they going to report this to my credit report. Then I got letter from them dated XXXX 2016 with the same. so I just payed the entire bill due to my illnesses.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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
Product: Checking or savings account

I have had the same checking account with Bank of America since 1995. In XXXX of this year they started charging me a $ 12 monthly maintenance fee. I just spoke to them and they said I am now required to have either 1 ) a daily balance of {$1500.00} or 2 ) a direct deposit into the account each month to avoid the {$12.00} fee. I explained that I am not able to keep {$1500.00} in the account at all times and that my employer will not do direct deposit. They write me a check every month. 

I never received anything in writing from Bank of America about this new fee. They tried to tell me that the fee has been in place since I opened the account. However, in over 20 years, I have never been assessed the fee before. Please let me know if there is anything that can be done.
Product: Debt collection

On XXXX XXXX, XXXX, my home was foreclosed on. The first month of delinquency was XXXX XXXX for the XXXX and XXXX mortgages. The derogatory information remained on my credit reports for 7 years from that date of first delinquency and fell off XX/XX/XXXX. This year, XX/XX/XXXX, Real Time Resolutions re-inserted the XXXX mortgage on my XXXX and XXXX credit reports with new inaccurate information. I disputed this inaccurate information with XXXX and XXXX on XXXX/XXXX/XXXX. I also sent Real Time Resolutions a certified letter with return receipt demanding validation. I still have not received any supporting data for this debt but Real Time Resolutions has supposedly verified the debt with XXXX and XXXX. The home was foreclosed on in XX/XX/XXXX, so it is impossible for any activity to have occurred after that date. Real Time Resolutions re-aged the last activity to XXXX, which is a lie. I sent the credit bureaus in all of the supporting data showing that the re-insertion was an old debt from a foreclosure from XX/XX/XXXX and they have ignored my requests to delete. I feel the acts of Real Time Resolutions are unethical and violating my rights to fair credit reporting. The derogatory information remained on my credit report for the 7 year length that the law allows and Real Time Resolutions should not be allowed to re-insert this old debt.
Product: Mortgage

TO WHOM IT MAY CONCERN : RE Loan Number : XXXXThis is a Notice of Error filed against Ocwen Loan Servicer for violation of CFPB Servicing Rules 1026.41 ( d ) ( 1 ), 1026.41 ( d ) ( 2 ), 1026.41 ( d ) ( 3 ). 

According to recent news reports Ocwen is broke and I believe that the company is trying to recoup monies from customers like me so they can pay the monthly advances on delinquent loans in their servicing portfolio. 

These blatant violations of federal rules are adversely affecting my mental and physical health. 

I am a retired senior citizen, living on a fixed income in XXXX and every penny counts. 

That is why Ocwen 's practice of repeatedly increasing the amount of monies they claim I owe is so disturbing. 
A quick recap : I signed a modification agreement in XX/XX/XXXX and agreed to pay monthly amount of {$1500.00}. This amount included escrow to pay my insurance and taxes. 

I paid the agreed amount on time every month. 

Unfortunately, Ocwen does not recognize the terms of our agreement and has changed my monthly payments XXXX or XXXX times since XX/XX/XXXX. Of course, the change is always an increase in payments - not a decrease. 

I filed a Notice of Error in XX/XX/XXXX, because Ocwen stopped sending me a periodic statement. 

Ocwen referred the complaint to their law firm XXXX XXXX, who responded with a package of information, none of which answered my complaint. 

However, Ocwen did begin sending me monthly statements in XX/XX/XXXX. Unfortunately, those statements are filled with errors. 

The errors were in the escrow category, and after repeated attempts to resolve the errors over the phone with Ocwen reps, I decided to pay my property taxes and insurance directly, instead of paying into escrow with Ocwen. 

In XX/XX/XXXX, I mailed a letter to Ocwen, stating that I am going to pay property taxes and insurance directly, and cancelled the escrow. Ocwen sent me a letter dated XX/XX/XXXX stating it had received my Notice of Error and was researching the issue. 

I never received an answer regarding escrow, but paid the {$1600.00} which included escrow in XX/XX/XXXX. 

In XX/XX/XXXX, I paid only the principal and interest in the amount of {$600.00}. I refuse to pay escrow to Ocwen because they are mismanaging the funds. It is my right to suspend payment of escrow upon notice given. I have noticed Ocwen of my decision. 

What do I want? 

I want to manage the payment of my taxes and insurance directly. I will no longer pay Ocwen escrow. 

I want Ocwen to correct the errors in my statement, apply my payments to principal and interest, and remove all fees. 

Thank you. 

Sincerely, XXXX XXXX
Product: Credit reporting

I contacted them to update and delete inquiries that should be coming off my credit report this month and they illegally pushed the date of removal to the next month. There is also a reported closed account that has been paid in full that has not been removed despite providing proof that it should be deleted. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XXXX National Credit Card Cos. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Utilities XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Utilities XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Utilities XXXX XX/XX/XXXX XX/XX/XXXX National Credit Card Cos . 
XXXX XX/XX/XXXX XX/XX/XXXX Mail Order Firms XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask the credit bureaus to do a verification of everything on my credit report and they said that they did a thorough investigation and everything on my report was accurate. I also did a thorough investigation for myself and found a lot of inconsistencies and inaccuracies on my credit report even after they did the thorough research. 

In accordance with the Fair Reporting Act the following XXXX accounts has violated my rights XXXX XXXX - acct # XXXX is showing wrong balance and inconsistent date last active XXXX - acct # XXXX is showing open but account is charged off and should be reporting a XXXX balance i thought. 
XXXX XXXX XXXX - acct # XXXX is also reporting inaccurate date last active XXXX XXXX XXXX XXXX - acct # XXXX is also reporting inaccurate date last active XXXX XXXX XXXX - acct # XXXX is also reporting inaccurate date last active XXXX XXXX XXXX  XXXX- acct # XXXX is also reporting inaccurate date last active XXXX  XXXX - acct # XXXX is also reporting inaccurate date last active XXXX XXXX XXXXXXXX -acct # XXXX is reporting open and closed on my report and also is reporting inaccurate date last active. {$2000.00} XXXX XXXX XXXX- acct # XXXX is reporting inaccurate date last active {$500.00} XXXX- acct # XXXX is reporting innacurate date last active. 
Dept Of EdXXXX XXXX is reporting innacurate date last active. and is reporting as duplicate accounts 15 U.S.C 1681 section 602 A States that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Hi, I opened a PNC Virtual Wallet account on XX/XX/year>, at the PNC branch in XXXX, IL, using a coupon code I received via mail from PNC Bank. XXXX XXXX, a XXXX XXXX and XXXX XXXX, assisted me in setting up the account and confirmed that I would receive a {$500.00} bonus upon meeting all the conditions specified in the mail. 

I have met all the conditions as communicated by XXXX XXXX, but I have yet to receive the {$500.00} bonus. When I contacted PNC Bank, I was informed that I would not be receiving the bonus because I had previously closed an account within the last XXXX months. However, I specifically asked XXXX XXXX about this before opening the account, and she assured me that, since this was a named mail offer, I would be eligible for the bonus. 

Please assist in resolving this issue and ensure that I receive the {$500.00} promotional bonus as promised. 

Thank you.
Product: Debt collection

I continue to receive collection letters from Fein, Such and Shepard PC. XXXX XXXX XXXX XXXX , XXXX is an infamous debt buyer, buying up portfolios of old debt. one- they do not tell you who the original debtor is, second if it is who I think it is the debt is from 2010 and is now 10 years old.  according to the state of NJ statue of limitations the max year to collect a debt is 6 years. This company who was original XXXX 's XXXX who was sold by XXXX  and so on. This was never on my credit report and even if it was the debt is now 10 years old and would now be eligible to be removed from my credit report. I have numerous times, sent different collection companies back a letter stating that this debt is old and to not contact me any longer. this has not stopped. I continue to get harrasing phone calls when I tell them to stop calling me and they call odd hours as well. now I am getting threating letters of a application for a wage garnishment at my JOB for a debt that is extremely old. when I call the courts they have no case on this yet I have a case #. is this just there way to scare me, which I don't appreciate it. especially with all the illness I got going on. this is an old and debt and I would like this to be removed. 

file # XXXX docket # XXXX thank you XXXX XXXX