23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Have not received escrow refund nearly 2 months after loan was paid in full ( XX/XX/XXXX ). online account showed escrow refund sent XX/XX/XXXX. Refund was not received, i called XXXX XXXX XXXX XXXX/dovenmuehle on XX/XX/XXXX. At that time it was indicated a problem with my address, instead of showing the street/number it showed " yes '', probably because my account was paperless with all docs sent through email stated the company rep. They said to write a letter signed by myself and spouse to indicate to correct address to property/mailing address ( even though this is an error on their system ). My address has never changed, have lived here since XXXX. I emailed this letter to customer service and received confirmation that it was received and account was confirmed with proper address. They said I must wait 30 days to call back if check still not received. On XX/XX/XXXX after receiving advice from my mortgage broker, I called XXXX & XXXX XXXXdovenmuehle again. Spoke to XXXX this time, once again she said my address shows as XXXX, XXXX, CA XXXX. She put me on hold a couple minutes, said the address has been corrected and new refund is being sent which should be received within 7-10 business days. 10 business days later ( XX/XX/XXXX ) I called again as no refund has been received. Spoke with XXXX this time. I advised i would like the refund expedited, and a tracking number. She advised she will transfer me to Supervisor. After many minutes, she came back instead of transferring to Supervisor and indicated that the previous check was stopped and a new check will be mailed, and that there was a problem with the address. I indicated the address issue is ongoing. I requested to speak to Supervisor because at this point it just appears they are playing games. Spoke with XXXX. She confirmed address is still wrong in system, was corrected in wrong place by prior people and she has now corrected it again while i was on the phone with her and new check will be sent out. I asked this be expedited ( overnight or tracking number ). She said she put that in the check request. I asked how i get the tracking number and she indicated to call back in 4 business days for that. This company has a serious issue with their address record keeping and inability to send out refund checks that are due to people that were on paperless accounts. I still don't have confidence i will receive my refund which totals {$5400.00}. I am betting that i will have to call again and my address will probably show incorrect again. We'll see what happens, but i am not waiting any longer to file this complaint. I have threatened multiple times to the company that i will do this and they dont seem to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle leased from XXXX XXXX through XXXX XXXX. All payments paid on time via auto-drafted electronic transfer. Reported closed Pays As Agrees. 

In XX/XX/2018, my credit monitoring service notified me that the status of the 'paid-off on time ' auto lease was changed to Collections Charge-Off in the amount of {$240.00}. Ally Bank listed themselves as the " Court ''. 

Speaking with Ally, I learned that the dealership wanted additional money, but Ally instead of me. Ally took it upon themselves to change my account status. I had many phone discussions with a rep over several months trying to resolve this error. Finally, they removed the account from Collections and said if I pay the {$240.00}, they will update the status to it's original state. I sent them a check, but they lied and has not been corrected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2024 Re : Social Security Number XXXX To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report. 

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject 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 have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Vehicle loan or lease

This company claims I owe them for a loan. I dont owe this company anything.
Product: Debt collection

I have been receiving calls from a private number from the same female saying she was with PORTFOLIO RECOVERY telling me that I will be sued on a time-barred debt if I do not make a {$5.00} payment by calling XXXX, she goes on to say that as long as I make at least a {$5.00} payment, that they would be willing to settle for 10 % of the account balance over a 6-month timeframe and that if I did not make that payment, The calls started on XX/XX/2024 and I received a total of 4 calls up until XX/XX/2024. She was adamant that I had to call that other number and that she could not take the payment through the instant phone call. I have verified that the number I was given is a valid number for PORTFOLIO RECOVERY. 

If I were to make a {$5.00} payment, this would re-age the account causing the date it would drop off of the CRA 's to extend back to 7 years. This is a deceptive and fraudulent tactic to trick me into making a payment that would trigger a re-age. Because the caller was blocking her number, this would indicate they do not want to be identified. Therefore, there would be no documentation that they called me, nor a recording of the phone call. It would simply look like I made a payment, and this Company would be able to continue to report this on my reports. 

I believe it is a PORTFOLIO RECOVERY employee trying to affect a payment illegally and in violation of Federal Law.
Product: Debt collection

XXXX XXXX has harassed me by repeatedly emailing me ; XXXX XXXX was the name used in these harassing emails. He emailed almost on a daily basis. Emails were inappropriate and threatening while also suggesting he was " watching '' me. XXXX XXXX has charged me a ridiculous amount in fees. I had a credit card bill from them in the amount of {$700.00} and had paid $ XXXX-XXXX and within the next month my bill turned into {$650.00} dollars which was completely wrong and I refused to pay it so they started emailing me almost daily for over a year threatening to take legal action but their emails were worded so inappropriately it made me feel uncomfortable as if they were hacking into my email box and could see I was reading their emails without responding. They emailed me from in the year XX/XX/XXXX to partially XX/XX/XXXX. Emails were saved due to their threatening nature.
Product: Credit card

On the night of XX/XX/XXXX, XXXX unused payments were made to my Capital One debit card account. I didnt purchased. 
XXXX is {$300.00} at XXXX and the other is {$410.00} at XXXX XXXX. Then my email saying they tried again to pay {$260.00} from XXXX but it was denied because my debit account didnt have enough money. The important thing is that someone has been continuously trying to make payments with XXXX XXXX and Capital One credit card for several months now. So I locked my credit card and deleted my XXXX XXXX. But I'm seriously worried that someone knows all my accounts. 
Please help me.
Product: Debt collection

Received a call from a company called Lamont Hanley and associates at XXXX on XXXX/XXXX/2016 phone number XXXX XXXX stating i owed for a old farmers auto insurance policy that was reinstated in XXXX i never received a letter related to this info. I spoke with the rep and requested to know where was the letter stating i owed this bill because i have a bankruptcy at this time the rep requested the bankruptcy info which i replied i do n't have it with me, he then requested when he could call back and told him i dont know he then shouted pay your bill and hung up.
Product: Debt collection

Original debt was {$2900.00} no interest charged have bills from XXXX XXXX dated XXXX/XXXX/2018 Collection company bill dated XX/XX//2018 showing principal {$4900.00} interest {$150.00} total due {$5100.00} reported to my credit report I disputed it but nothing was changed I don't know how the principal amount due went from {$2900.00} to {$4900.00} in one day of it arriving in collections. I have attached the bills so it is clear that something is not right I am not understanding how now it is {$2000.00} above what was originally owed.
Product: Mortgage

I would like file an official complaint about the delays I experienced while working with GaranteedRate.com whe ; attempting to refinance/consolidation of my 2 mortgages loans with XXXX  XXXX XXXX & XXXX XXXX. I started the refinance process in mid XXXX of 2020 with GuaranteedRate.com and didnt close until mid XX/XX/2020. I provided Guranteedrate.com with all the required documentation such as paystub, W2s and bank statements on the very same day that Guaranteedrate.com asked for them on XXXX XXXX. I specifically want to file a complaint about lack responses from XXXX XXXX and XXXX XXXX. Their lack of follow up and limited knowledge of their own business led to me pay interest to 2 mortgages XXXX XXXX XXXX XXXX XXXX  XXXX for a longer period of time that what I should have. This money should have been applied to my new refinanced loan. XXXX failed to respond to emails and weeks went by in XXXX & XXXX of 2020 without me hearing from XXXX at all. Out of the blue, XXXX XXXX contacted me in early XXXX, she asked for paystubs, W2s and bank statements which I had already provided to guaranteed rate on XXXX XXXX. XXXX was clueless to the fact that I had already been working w XXXX for the previous 6-8 weeks. With a lack of progression on my refinance, I finally had to elevated to VP XXXX XXXX in mid XXXX. When XXXX contacted me, he apologized and offered no explanation other than he accepted responsibility than his team dropped the Ball on my refinance. I expressed to XXXX that these delays would cost me extra interest on my loans and I would never be able to recovered by me. XXXX completely agreed with me and he understood why I was upset. XXXX had XXXX XXXX assigned my refinance and she was very helpful and on top of it as she communicated with me regularly. XXXX XXXX who worked with me from the start to finish on this refinance, was an absolute professional and a pleasure to work with. 

For these reasons stated above, I would like to be reimbursed directly for extra interest I had to pay to XXXX  XXXX XXXX and XXXX XXXX  in the month of XXXX & XXXX as this should been avoided & paid to my new mortgage and not the 2 mortgages that I was getting rid of. XXXX  & XXXX XXXX  calculated the interest listed below. Please contact me with a resolution ASAP. -XXXX  XXXX XXXX XXXX  XXXX XXXX {$280.00} XXXX XXXX - {$82.00} XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX-XX/XX/XXXX2020 - {$130.00}
Product: Payday loan, title loan, or personal loan

This account should not be furnished on my consumer report nor through your internal system as they are in VILOATION Under, 15 U.S. 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed IMMEDIATELY. 

Avant Personal Loan : {$2300.00} dollars charge off
Product: Credit reporting or other personal consumer reports

I have sent letters to all XXXX consumer credit agencies Equifax, XXXX and XXXX letting them know that the information that they have on my credit profile is inaccurate and they are reporting the wrong information. According to the 15 usc 1681b i did not give then permission. Also my nonpublic personal information.According to15 usc 1681s-2.
Product: Bank account or service

I recently opened a business account with BBVA in XXXX 2016, and ever since then, I have been having issues with logins, password retrievals and the rest. The most painful thing was when XXXX of my clients wired money into the business account and subsequently had to wire some into the company 's brokerage account. The wire transfer was cancelled and hence, account frozen. I have gone to the local branch at XXXX TX to make complaints, but all to no avail. I was told they could n't unfreeze the account because whoever froze it is still unknown and neither do they know the reason behind it. This is a business account, and I have n't been able to conduct business the way I should. 
All I want is to withdraw all my cash and possibly close my account with them. If no resolution is reached in couple days, I will proceed with legal actions. This is absolutely absurd and uncalled for. 
XXXX XXXX
Product: Debt collection

We had to declare XXXX in about XXXX or XXXX. We were then told to try to build our credit back up a little at a time. So, we took out some preapproved credit cards. Not realizing that the finance charges were so unfair. Then my husband was badly hurt at work. At about the same time. He is on social security XXXX. I have XXXX and it is well documented. Anyway, that was a long time ago. And I told them we absolutely had no money. The man on the phone cussed at me, he called me a liar and he sounded like I had taken money from him personally. Anyway I refused to make any kind of payment plan as we did not know what was going to happen to my husband. He could not ever be fixed. He can not read. He only knows hard labor and he can not do that. I only got my card because it was preapproved. It was Capital One XXXX. I tried to make payments to Capital One but simply was not able. Now, a place called XXXX XXXX XXXX XXXX has a lien on our place for almost 3 times what was ever owed. The info I have on them is that they can not make a living as real lawyers so they pick up these old debts and they try to scare you or badger you until you pay it. They are based in XXXX  XXXX, OK, XXXX. XXXX XXXX, XXXX phone # XXXX XXXX XXXX XXXX filled out the lien. XXXX XXXX XXXX, XXXX, # XXXX, XXXX XXXX XXXX # XXXX are supposed to be the lawyers. It has been so long since I even had a credit card or a bank account. I just want answers. I want to talk to the original place, Capital One.
Product: Checking or savings account

On XX/XX/21 my bank statement shows a refund credit from XXXX in the amount of {$100.00}. The credit references my name and a number XXXX, which according to XXXX is my Wells Fargo account number that originally remitted the {$100.00} being returned. 
My legitimate Wells Fargo account is XXXX and is linked to my XXXX account and the account that received the refund. 
Wells Fargo denies the existence of account XXXX, despite my XXXX account receiving {$100.00} from it.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX capital one closed my credit card due to an identity theft dispute. they have been reporting late payments since XXXX 2022 Those alleged late payments have caused hardship in my life now. And by law those alleged late payments should not be furnished on my consumer report. that information is considered nonpublic personal information. Also, according to the TRUTH IN LENDING ACT which financial institutions abide by. there is no such thing as a late payment. it also states that a creditor may NOT treat a payment on a CREDIT CARD account under an open-end consumer credit plan as late for ANY purpose. since they have furnished multiple late payments on my consumer report, they are now making EXTORNIATE MEANS to collect the repayment of a line of credit this is causing harm to my reputation. I have been denied loans and other extensions of credit. according to congress whoever knowingly participates in collecting extensions of credit by extortionate means, or conspires to do so, in the use of any extortionate means shall be fined under this title or imprisoned not more than 20 years. they have broken multiple laws under the UNITED STATES CODE. 

1. 15 U.S. Code 6801 - Protection of nonpublic personal information congress clearly states that financial institutions have an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

nonpublic personal information means any personally identifiable financial information ; resulting from any transaction with the consumer or any service performed for the consumer ; otherwise obtained by the financial institution. which includes payment history.

According to 18 U.S. Code Chapter 42 - EXTORTIONATE CREDIT TRANSACTIONS 18 U.S. Code 894 - Collection of extensions of credit by extortionate means Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means 1. to collect or attempt to collect any extension of credit, or 2. to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

extortionate means is any means which involves the use, or an express or implicit threat of use, of violence or other criminal means to cause harm to the person, reputation, or property of any person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a notification that there was an inquiry on my TransUnion made on XX/XX/2023. I checked the notification and it was for a XXXX XXXX XXXX XXXX account from XXXX XXXX XXXX. I received an email with further information despite not having signed up for any such account whatsoever.
Product: Checking or savings account

On XX/XX/2023 I was notified that my account was cleaned out of {$50000.00} with a reminder of {$4500.00}. My identity has been stolen and I made a claim with Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to buy a jet ski for my daughter for the summer, but in order to get it financed my credit had to get pulled. I found a fraudulent bankruptcy and couple of inquiries that are not mine. Please remove these things from my report. ChapterXXXXBankruptcyDismissedXXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I took a loan of {$800.00} from spotloan with the agreement of making 8 biweekly payments of {$200.00} ending XX/XX/XXXX. Even though this was already an insane interest rate, I agreed since I needed the money. At the end of XXXX I missed a payment and when I received an email regarding this and that they were no longer authorized to withdrawal from my bank I was informed that my new payment schedule was to make 12 more biweekly payments of XXXX $ until XXXX of 2022. What the XXXX? So not only am I back at where I started paying off the loan but I have to make even more payments than originally agreed. On top of the XXXX $ I had already paid off! This is insane and has caused immense financial and emotional stress. These people know exactly what theyre doing and they dont give a XXXX. They swindle poor working class people in dire situations while they line their pockets with millions. Absolutely evil and disgusting. They deserve to not only be XXXX down, but also rot in jail and compensate families theyve caused financial distress to.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XXXX XX/XX/year> XXXX ) XXXX XX/XX/year> XXXX ) XXXX XXXX XX/XX/year> XXXX ) Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX