23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We refinanced our VA loan with Quicken Mortgage XXXX XX/XX/XXXX. XXXX XX/XX/XXXX we received an Escrow Analysis Statement the stated we short {$4400.00} on our Escrow account. This to be made up in extra payments of {$360.00} for 12 months ( or paid in full immediately ). This increase is against a mortgage payment of {$1600.00} monthly. Not quite a 25 % increase. 

I called an talked to a XXXX on XXXX XX/XX/XXXX. His response was not their fault it was RESPA. So I sent an email to Quicken Loans Customer Service on XXXX XXXX. They responded that day that someone would look at it and get back to me within 1-2 business days. 

Today, XXXX XXXX, I received an email from Quicken Customer service asking how my dealings with a Ms. XXXX were. I responded no idea because I hadn't been contacted my her. 

Shortly after I received an email from Ms. XXXX that also contained an email supposedly sent to me on XXXX XXXX that I never saw. 

Her response was yes they made a mistake on figuring our escrow account.. No apology or anything else. When I responded she said maybe they could change the shortage payments to over 24 months. 

That isn't the point. The point is this was a refinance on a house we bought in XXXX and there have been multiple tax and house insurance payments made. They knew what our previous tax and insurance payments were, they were given copies. Our escrow portion of our monthly payment was pretty much identical to our previous loan so I didn't think anything about that. And when our monthly escrow went up about {$30.00} to cover the increases in those, fine. But I find it almost criminal that less than 6 months after getting our loan we have to pay an extra {$4400.00} over 12 months because somebody on their staff made a mistake. Nothing has been said about what is being done to them, and we know this isn't hurting

Quicken. And the only apology was for the inconvenience. If they had done their jobs correctly, we wouldn't be inconvenienced by having to pay an extra {$4400.00} six months after the loan was closed.
This money should have been covered during closing and yes we would have paid it. But we relied on them to tell us what needed to be taken care of then, and they failed.
Product: Credit reporting or other personal consumer reports

PROCOLLECT INC This third-party collection company received my credit information from the original company without my permission please refer to law below 15 U.S.C. 1692c ( b ) of the FDCPA. 1692c ( b ) of the FDCPA prohibits, with certain exceptions, debt collectors from communicating, in connection with the collection of any debt, with any person other than the consumer.The Eleventh Circuit first examined whether the plaintiff had Article III standing to sue, looking at whether a violation of 1692c ( b ) of the FDCPA gives rise to a concrete injury.
Product: Checking or savings account

I received an email that CitiBank closed my account for violating the terms of my account. I'm not sure what that means, I haven't done anything unusual. I received an email right before stating that there was unusual activity on my account and that I needed to resolve it. I've called the number and extension mentioned in the email, and was just transferred from department to department with a 45 minutes to 1.5 hour wait time each time. I spoke with many individuals who barely spoke XXXX, and none of them were helpful. I asked to speak with a manager, they then told me that there wasn't one, and that they were going to disconnect the call. No one could tell me why my account was being closed, or why I can't get my money. I no longer have access to my account online, and I can't transfer anything out via the automated phone system. I have a large sum of money in the savings and checking accounts combined that I can't touch. Please help.
Product: Payday loan

In XXXX I took out a Payday Loan from Blue Hoizon Loans and they stated I would get {$50.00} off because of a Promotion they had. So my total loan was {$650.00} in which they sent me {$500.00} and if you take the {$50.00} off it would be a total of {$600.00} I would have to pay. This is what the CSR told me by phone. So for XXXX 2016 I sent {$300.00} and in XXXX 2016 I would send another {$300.00} but they are telling me I owe {$350.00} which they are putting the {$50.00} back on it is like they did not give the Promotion Fee what they told me. The {$350.00} is schedule to come out my checking account on XXXX XXXX, 2016.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

1 ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not made by me. 

2 ) Inquiry Date : XX/XX/XXXX XXXX XXXX - XXXXXXXX XXXX This inquiry was not made by me. 

3 ) Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX This inquiry was not made by me. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, or personal loan

loan issued on XX/XX/XXXX in form of prepaid debit visa card in the amount of XXXX loan paid in full on XXXX XXXX.part of the merchandise from the order was never received in the amount of XXXXafter no resolution i disputed with my bank. they reimbursed me. affirm put the balance back on my account and stated that i never paid it and that i received the merchandise. i have made 26 loan transactions with this company, totaling over XXXXf in loans. all have been paid in full way before due date.my payment history is impeccable. Why would i lie and state i didn't receive the merchandise it has been almost 2 months since i ordered. now they are reporting that the loan is past due as f XX/XX/XXXX. when i called today they stated its still unde review and dont worry about what is being reported. this is derogatory and will hurt my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY INFORMATION TO OPEN FRAUDLENT ACCOUNTS AND PUT ME IN ALOT OF DEBT THAT DOEST BELONG TO ME I WAS NOT AWARE OF ANY OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

I previously sent a letter to the company requesting validation of the debt in accordance with 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide proper validation of a debt upon request. My original letter is attached for your reference. In response, they provided a bill that : Does not include my signature. Fails to provide a date indicating when the debt originated. Lists amounts owed that do not match what is reported on my credit report. This incomplete response does not satisfy the requirements of 15 U.S.C. 1692g. I have attached all relevant documents for your review and request that this matter be resolved promptly.
Product: Money transfer, virtual currency, or money service

I need my Zelle to be unblocked or unrestricted for email XXXX and for phone number XXXX please unblock both and unrestricted them and remove them from them account on Zelle and unenroll both of them so I can use both of them at my new bank at XXXX XXXX they tell me to contact yall to get it unblocked or restricted and please look at the screenshots of the issue I am facing with XXXX XXXX Zelle enrollment etc and if yall cant enroll them or unblock it or restrict it please tell me what bank have blocked it or restrict it etc?
Product: Debt collection

contacted my work after i spoke with them and said do not call my job i will do my best to resolve this issue then called my employer and spoke to my manager and started asking questions about do i work here and so on ... Not only did they do that XXXX also called my mother and harassed her about making a payment saying that we will bring you to court and you will pay double if we do n't make a payment today my mother was crying and upset they disclosed my personal information with not only my loved ones also my co workers and they are all in distress including myself i had to leave work and my lawyer is now aware of the situation thanks i hope we can resolve this matter..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX 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 ) 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 XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Fraud and I am trying to protecting my credit file as much as I can. I have found several ACCOUNTS on my credit report that do not belong to me. I was in the process of buying a car when it was brought to my attention. 
The following accounts are not mine I cant find any contracts for business with any of these companies : 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****. I have requested legal paperwork from the above companies without any response so now I am filing a police report and I will follow up with a report to the FTC.
Product: Debt collection

XXXX said they will contact the XXXX  they want a police report they don't believe me. I sent all documents and they keep scaring me they said they are removing it they don't care if I owe it or not I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested
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. Furthermore, there dispute and 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 cause significant inconvenience and financial loss, and I seek appropriate readdress for these violations.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally submit a report regarding a debt that has been negatively impacting my credit report. The account in question is from Fair Collections & Outsourcing and was opened on XX/XX/XXXX, with an amount of {$3800.00}. I have serious concerns about this debt and its validity, as I believe it does not belong to me. 

I have made multiple attempts to dispute this debt directly with Fair Collections & Outsourcing and have requested further details regarding its origin and nature, but I have not received satisfactory responses. The account indicates that the responsibility is joint, which is perplexing, as I have no knowledge of any joint obligation related to this debt. 

Additionally, I have been a resident of Maryland since XX/XX/XXXX, and I believe this debt may not be applicable to my circumstances. The latest report I received was dated XX/XX/XXXX, and it continues to show that I dispute this information, which has significantly harmed my credit standing. 

Given these issues, I am requesting your assistance in investigating this matter. I believe this debt should not be on my credit report, and I would appreciate any guidance or action you can take to help resolve this situation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Kind regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX  have all my credit report mess up, all information is incorrect, i call tooo many time i have not anwer, account missing, wrong information ect. I HAVE A XXXX XXXX  CARD SO THEY REFUSE TO UPDATE THE INFORMATION, CREDIT CARD NUMBER # XXXX, XXXX XXXX ACCOUNT # XXXX This account is missing from my report.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible 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 XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} ; XXXXXXXX XXXX
Product: Bank account or service

To whom this may concern, I am writing in response to claims by Scottrade that they will not respond to the CFPB. This bad behavior by Scottrade appears to be a repeat of other bad behavior. 

In the attached you will see that Scottrade for a period of no less than 2 years hide behind the OCC while defrauding regulatory agencies by maintaining the veil that their company has less than XXXX in assets.
Product: Credit card

XX/XX/2015 I applied for an American Express Charge card as well as a credit card. I received both. I was making payments on time and never fell behind. In XX/XX/XXXX/XX/XX/2015 I was having difficulties paying the balance on the Charge card as I was in the middle of closing my store and trying to re-open in a new location. I had called to make payment arrangements and was able to meet them and if not I had called in to let them know that I would be making the payment on a particular day. XX/XX/2015 I had an arrangement to pay the balance of around XXXX to make my card current. I had made the payment and called in to see if it was received. I then was told I had to call an agency as it was transferred to them. I called the agency to find out what was going on as I did n't understand why as I never got a phone call or letter. The payment was received within a day or two of them transferring my account to cancellation and this agency. I now have a closed by credit grantor on my account. I tried calling AMEX to talk to someone about this and no one would help. My other card that is current and had no lates is now being closed and going to an agency.
Product: Checking or savings account

I had a long standing relationship with 5/3 bank ( headquartered in XXXX ). After being upgraded ( or so I was lead to believe ) to a savings account all XXXXXXXX XXXX XXXX. For the first time since my account opening I had outrageous overdraft fees coming out of nowhere and never given a straight answer as to the cause. I was enrolled in ID protection without my consent or knowledge at a cost of $ XXXX. I was not allowed to dispute the charges or resulting overdrafts from said fraudulent charges and the next thing I knew my accounts were closed. I recently received a letter from 5/3 informing me of their apparent internal data breach involving my information and that law enforcement was involved. The letter further gave me an enrollment ID # into a ID monitoring service that was fraudulent ( it did not work ). I have made several attempts to find out what is going on and this bank refuses to answer any requests. Furthermore 5/3 has sent my outrageous account overdrafts to collections!
Product: Mortgage

On XX/XX/XXXX, we received a letter from XXXX XXXX, Subject : Transfer of the servicing of you mortgage loan. The letter states Effective XX/XX/2018, the servicing of your mortgage is being transferred to Specialized Loan Servicing LLC. The letter further states Specialized Loan Serbicing LLC will be sending you a letter that will include payment instruction and an updated loan number. We know there is a legal requirement for both the mortgage originator and new servicer to send letters within 15 days of a mortgage transfer becoming effective. In this case, Specialized Loan Servicing did not. We waited until today, XX/XX/XXXX, to give the mail plenty of delivery time and nothing was received. When we spoke with their customer service today ( XX/XX/XXXX ) a friendly woman said they wouldnt have complete loan information until Monday, XX/XX/XXXX and didnt offer to resend the notification letter. Though, she did provide the new account number.
Product: Checking or savings account

I was transferring some fund from my checking account to XXXX pay and PNC did not allow me to do so even after I was asked to sign in my account with a two step verification.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> Personal Info Former : XXXX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX
Product: Credit reporting or other personal consumer reports

Sent Letter to company about Fraudulent account being removed from my credit report no response was given filed complaint with XXXX  Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account with Discover account number XXXX was previously removed from my credit report as a result of FTC identity theft report number XXXX. The original account has been re-inserted into my credit report now as a different account number which is XXXX. Per the FCRA, the Credit Reporting Agencies are required to verify police reports and fraud affidavits for accuracy. As a result of prior identity theft reports, this account was deleted and blocked as a result of fraud. When the CRA delete and block an item as a result of fraud reference FCRA 615 - U.S.C. 1681m ( f ) ( 1 ) -Prohibition on sale or transfer of debt caused by identity theft. 1. In general - no person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 605B has resulted from identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late payments from this account : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Repeat issue with partial payment plan agreement from XXXX ( resolved ) into XXXX ( failure to resolve ) Chat transcript with XXXX XXXX representative took place in XX/XX/XXXX to continue XXXX payments, each removed electronically, without fail, from bank account each month. Lender/servicer failed to report partial payment agreement, resulting in credit score damage.