23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of XXXX Experian verified and an validated this XXXX XXXX XXXX account XXXX after reinvestigation. Experian failed to provide me with documentation of investigation and whom they investigated it with so I can follow up. Which violates usc 1681 c-1 c-2, and 1681 I. Furthermore This account after reinvestigation is still reporting inaccuracies which I provided proof of these fraudulent inaccuracies. There willfully non compliance to the codes warrants removal of this account. It is manipulated the credit score process which is denying me access to credit Experian had more than enough time to correct this which they failed to do so violating my consumer rights
Product: Checking or savings account

i recieved an email that a bank account was opened at key bank 0n XX/XX/XXXX. have been trying to call them since can not get through to anyone. i do not use key bank at all and gave no one permission to open an account. im very frustrated with this. i do not have time to call these people what do i do. 


Dear XXXX, Making financial progress feels great, and you just took a big step toward reaching your goals. 

Welcome to your new : Account Name Account Number Opened Key Smart Checking ... XXXX XX/XX/XXXX Name : Key Smart Checking Number : ... XXXX Opened : XX/XX/XXXX *Your account 's details and disclosures To keep your information secure : When we contact you by phone, email or via text messages, we will never ask you to provide your full social security number, full account numbers, user id, password, or answers to your online banking security questions.
Product: Mortgage

I was contacted by a loan originator from Amerisave Mortgage Corp on XX/XX/2021. They offered to give me a loan estimate to refinance my home and to beat any other loan estimates. They used high pressure sales tactics to obtain a credit card to secure the loan and begin the loan process. Meanwhile, the originator knew I had been dealing with another company and had locked a loan in with them already. They used bait and switch tactics after signing and floated the home rate instead of locking in. The next day the loan estimate rate was higher and the closing costs fees were higher as well and I was unable to access the original estimate. They also did not inform me that the credit card fee was non-refundable and I was told that is was for the home appraisal fee and that I would still be allowed to shop interest rates with other companies. All of this felt very uneasy to me. I contacted them the next day on XX/XX/2021 asking for a return of my fee and would like to close any further proceedings and asked that my card be credited via chat and email, but all of my requests were ignored and I was not allowed to speak to a supervisor and he insisted on escalating my file. This is predatory lending and this company needs to be accountable for preying on consumers. I would like my {$500.00} refunded to my card.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 I cash app $ XXXX. XXXX and she never received the funds. I have cashed app here before. Cash app has refused fix the issue. Keeps saying XXXX was applied. XXXX XXXX has other consumers complaining about exact issue with cash app.
Product: Credit reporting or other personal consumer reports

I never opened an XXXX  with XXXX XXXX however there are XXXX accounts on my credit report one reporting a XXXX balance that is not mine! Please get these removed as they are not mine I have emailed a XXXX times with XXXX with no resolution!!
Product: Debt collection

XXXX have never had an account with this company PORTFOLIO RECOVERY ASSOCIATES , REMOVE from all credit agencies from reporting. 
XXXXconsumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are PORTFOLIO RECOVERY ASSOCIATES the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXXAs mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) XXXXWhile pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for debt validation from Portfolio Recovery for Debt Validations since xx/xx/xxx to present. I have attached my last 2 communications requesting the same information in addition to other proof of claims that have yet to be answered thoroughly. I have certified mail receipts request with failure to follow through and return my receipt required tracking. Portfolio Recovery has not send me the following information I requested : name and address of alleged creditor, name on file of alleged debtor, date this alleged debt became payable, date of original charge or delinquency, was this debt assigned to a debt collector or purchased, amount paid if debt was purchased, commission for debt if collection efforts are successful. My request for the agreement between Portfolio and their client, signed agreement debtor has made with the debt collector or other verifiable proof Debtor has a contractual obligation to pay Debt Collector, any agreement that bears the signature of the Debtor where in agreed to pay Creditor, all statements and so on. ( request attached ). Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and Notice that if, within the 30-day period, the consumer makes a written request for the name and address of the original creditor, if it is different from the current creditor, the debt collector will provide that information. They have not compiled with request per Validation of Debts 15 U.S.C. 1692g. Section 609 was also violated. I am entitled per 15 USC 1692k Monetary remedies of every violation listed within my complaint. Negative account must be removed and collection must cease per violations. Previous communication via phone with Portfolio violated section 15 USC 1962 C & D after informing them to stop harassing me, violation 15 USC 1692 f by practicing unfair practice, violation 15 USC 1681 by reporting incorrect information.
Product: Money transfer, virtual currency, or money service

They are holding my XXXX under a security hold even though I've been a Gemini customer for years. The process to remove the security hold has been slow as they take forever to respond to emails and they are asking for very personal and sensitive information. Just when I think they are about to remove my hold, they keep asking for more personal and sensitive information.
Product: Debt collection

I would like to confirm of this company because i have paid several times and i do not receive any receipts but only where i need to go to submit my payment. I feel like when i get a call from them it should be at decent time or a voicemail that connects to the company. I ask that this company to reach out to me in a timely manner with some information to assure me that this legit company.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was never late ! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX, 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 ( Original CreditorXXXX XXXX ) XXXXHowever, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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 I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 generally, 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.
Product: Checking or savings account

I was suppose to receive my direct deposit on XX/XX/XXXX. I did not find out that Capital One was having issues with direct deposit until XXXXpm. I had already been informed by XXXX XXXX way before that. It was said that the issue would be fixed by end of day XX/XX/XXXX, but as of today XX/XX/XXXX the issue has not been resolved. I have still have not received my direct deposit. But I have payment for my credit cards taken out of my account, but I have not received my money.
Product: Debt collection

they are overly charging me for for cleaning. they are charging me a XXXX dollars on top of the XXXX $ paid to them. I do n't think that injust because they say that they want this money that they should be able to put this on my credit report I lived in a XXXX sq ft duplex that I defiantly can replace everything in the house for XXXX $ the deposit that was they with held. They are overly charging me. and this big amount is keeping me homeless. because no one will rent tome because I owe XXXX XXXX an in proper amount that they are being no help to. first off all this duplex is a box they only thing came with the duplex was a refrigerator and blinds and walls. I left the kitchen exactly how I got it and they bathroom to no damage to anything so I do n't see how replacing a few blinds for they window and maybe painting the walls again can cost XXXX dollars I lived there more then a year in a half so of course the walls would need to be painted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there are many unverified inquiries in my report. These inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

The first time my card was declined they said my auto repair company was on a high alert list which was false.

The second time they said it was fraud and I sent 2 fax with my id and current address. I explained to them the request was odd since I have 4 accounts with them in perfect standing and I e had them for years and never had this issue. They said thats not there problem and Im blocked from a very important purchase.
Product: Mortgage

I took out a mortgage loan back in  XXXX  with the promises of low monthly payment and low interest rates. Since the beginning the payments and the interest rates were not as promise. In  XXXX   Wells Fargo started a foreclosure action against me. I tried to do loan   modifications with the bank but have been denied several times. I am in the middle of processing a loan modification and the bank has scheduled a sale date for  XXXX   XXXX  ; the bank should not foreclose on my home if I am in the middle of a loan modification process. I was a victim of the housing bubble crisis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to TransUnion to remove erroneous inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) TransUnion is required to remove any item not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again., XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Prepaid card

Tried to make a {$500.00} purchase ( full value of XXXX XXXXXXXX XXXX XXXX ) at XXXX XXXX on XX/XX/24 and was declined several times. Called InComm in store and they said to try at a different retailier and hung up on me. I've tried making purchases at XXXX online, XXXX online, and XXXX XXXXXXXX on XX/XX/24 and all transactions were declined and the card was put on hold. I called InComm 's customer support on XX/XX/24 and they could not release the hold to use the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Company refuses to work with me with account spoke to " XXXX '' a rep from their company via chat and unfortunately was told there's " Nothing they could do '' to help me fix this issue, I changed banks and completely forgot about this account that was auto-drafting from my account ; I tried fixing it w no resolution. 

Pleases remove negative marks / this account from my report immediately as it is not accurate or notify me how to fix the account + bring it current.
Product: Credit card or prepaid card

I XXXX XXXX have recently identified several unauthorized credit card charges on my account. I did not authorize these charges nor have I engaged in any transactions associated with these amounts. I am deeply concerned about this situation and I request an immediate investigation into these unauthorized charges to restore the integrity of my account and ensure that I am not held responsible for these fraudulent activities. 
I XXXX XXXX hereby request and insist that these unauthorized charges be thoroughly investigated and promptly removed from my account. I expect complete transparency and collaboration from the credit card company, and I demand that all necessary steps be taken to reverse these charges and ensure that this situation does not recur in the future. I trust that the credit card company will handle this matter with the utmost urgency and professionalism. 
Please handle this accordingly, and promptly have this removed, those charges from credit card, as should not held liable, the charges where done in Texas, I live in Pennsylvania. I have addressed this issue several times and they still have not responded. Discover credit card needs to take care of this immediately!
Product: Checking or savings account

I am writing about a significant security vulnerability in Wells Fargo 's Mobile Deposit App procedure. After a deposit is completed, I am sent an email confirmation that includes an image of the check that I deposited. The only part of the check that is blanked out is the checking account number on the bottom of the check. 

These emails are not secure. Anyone that hacks into your email account or captures these unencrypted emails on the internet will see names, addresses, images of signatures, potential business account numbers, and the company name or person sending the check. Including check images in emails is a potential major breach of privacy for anyone who sends a check to a Wells Fargo customer that then deposits the check via their mobile app. Other banks confirm mobile deposits by simply including the time, deposit amount, and check number. This approach is much safer and contains enough information for the user to identify the deposit. If more verification is needed, the user can securely log in to their account to see the image. 

I would expect that a major financial institution like Wells Fargo would think about the potential security exposures they are creating when developing new applications. I expect financial institutions to seriously guard my information, including the businesses and individuals I transact with and the nature of those transactions.
Product: Mortgage

I am writing because my Mortgage Servicer Ocwen reported a discharged amount to he IRS in the amount of {$22000.00}. They did not suffer a loss for this amount nor was my principal balance reduced by this amount after I completed a HAMP Loan modification in XX/XX/XXXX. I called Ocwen on XXXX/XXXX/XXXX and after spending 30 minutes on the phone the representative was unable to tell me why this amount was submitted and also confirmed that this amount does not reflect in my mortgage history. This is a huge error on their end and I can not file my federal income tax until it is resolved, otherwise the IRS will be looking to tax me on this amount as earned income which it obviously is not. I understand that during the course of the next 5 yrs there will be deferred interest and a principal reduction, however a loss can not be written off in advance prior to it happening. So Ocwen needs to either reduce my principal balance by {$22000.00} OR amend the XXXX and provide detailed information that reflects any loss they are reporting.
Product: Student loan

I received a call through a third party claiming I qualified for student debt relief and that they were offering me the Revised Pay as you Earn plan and that I needed to pay them XXXXXXXX XXXX for them to process paperwork with my loan provider ( MOHELA ) in order to get the debt relief and pay XXXXXXXX XXXX a month after that for 10 years and then my loan would disappear. I spoke to a woman named XXXX XXXX and their callback number is XXXX. They knew my social security number and other private information that I did not share with them.